BEGIN CARD Instacart Mastercard Review | Credit Cards | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Fri Nov 01
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Fri Nov 01, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Instacart Mastercard®

Terms Apply

More Info

The information for the Instacart Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Instacart Mastercard®

Get cash back rewards and a year of free Instacart+ with the Instacart Mastercard®.

Credit Needed

Good, Excellent

Annual Fee

$0

Intro Offer

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

Rewards Rate

5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases.

Pros

  • You'll best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

  • Cardholders earn 5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases.

  • $0 annual fee.

Cons

  • You earn only 1% cash back on grocery purchases not made through Instacart.

  • There’s a 20.24% to 28.99% variable APR.

  • The free Instacart+ membership automatically renews for $99 annually if you don’t cancel after the first year.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
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Frequent Instacart shoppers may find value with the Instacart Mastercard®. Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. In addition, cardholders earn 5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases. Earn 2% cash back at restaurants, gas stations and on select streaming services. Earn 1% cash back on all other purchases. Rewards can be redeemed for Instacart orders, cash back or travel.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$0
  • Regular APR20.24% - 28.99% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

Yes, if you:

  • Frequently use Instacart.
  • Prefer not to pay an annual fee.
  • Plan to pay off your balance in full each month.

With a sign-up bonus that’s earned on approval and 5% cash back on Instacart, all you have to do to make the most of this card is use it for Instacart purchases. You can also use it for Chase Travel purchases to earn 5% cash back. Cardholders can also earn 2% cash back at restaurants, gas stations and on select streaming services, plus earn 1% cash back on all other purchases.

This card doesn’t have a 0% introductory annual percentage rate on purchases or balance transfers, so plan to pay off your statement balance each month to avoid paying the 20.24% to 28.99% variable APR.

It’s a good idea to take advantage of the free Instacart+ membership in the first year. But if you don’t want to pay the annual $0 fee, make sure to cancel your membership before it automatically renews.

Editor's Take

If you frequently make purchases with Instacart, the Instacart Mastercard® can offer savings. Since you earn 5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases, that’s essentially a 5% discount. And with your automatic Instacart+ membership, you won’t pay delivery fees for Instacart orders over $35 in your first year. Beyond Instacart, this card sweetens the deal with 5% cash back on travel purchased through Chase Travel, plus earn 2% cash back at restaurants, gas stations and on select streaming services and earn 1% cash back on all other purchases.

Jessica MerrittContributor

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

Using the Instacart Mastercard® for Instacart or Chase Travel purchases is the best way to earn 5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases. Earn 2% cash back at restaurants, gas stations and on select streaming services. Earn 1% cash back on all other purchases. You can redeem rewards earned on this card for Instacart orders, cash back or travel, including flights, hotels and car rentals.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One Savor Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card offers 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, entertainment and popular streaming services, and 1% Cash Back on all other purchases. But you can earn more than that with 8% on Capital One Entertainment and 5% back on hotel and rental cars booked through Capital One Travel. There’s also no annual fee. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Wells Fargo Autograph Journey | Credit Cards | U.S. News
By Jerry Brown
|
Reviewed by Ray Frager
|
Edited by Emily Hayes
|
Updated: Wed Dec 11
By Jerry Brown
|
Reviewed by Ray Frager
|
Edited by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Wells Fargo Autograph Journey℠ Card
Rates and Fees

Terms Apply

Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

Wells Fargo Autograph Journey℠ Card

The Wells Fargo Autograph Journey℠ Card provides a variety of travel rewards and perks with enough value to make its annual fee worth paying.

Credit Needed

Good to Excellent

Annual Fee

$95

Pros

  • Cardholders can get a large welcome bonus.

  • You can get a $50 annual statement credit after spending at least $50 each year on airline purchases.

  • Offers trip cancellation coverage of up to $15,000 per trip.

Cons

  • The card comes with a $95 annual fee.

  • Only a few transfer partners at this time.

  • No premium perks like access to airport lounges.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Wells Fargo Autograph Journey℠ Card is a mid-tier travel card with a flexible rewards program. The card offers higher rewards when you spend money on hotels, airlines and restaurants and other travel-related expenses such as auto rentals. New cardholders can earn 60,000 bonus points after spending $4,000 in purchases in the first 3 months of account opening. Ways to redeem points include cash and travel.

The card also comes with other perks, like trip cancellation/interruption insurance and lost baggage reimbursement, that make it comparable to other cards in its weight class.

However, the card might not be your best option if you're looking for a travel card with a wide range of transfer partners. This card comes with a small list of transfer partners, though Wells Fargo says it will add more partners in the future.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$95
  • Regular APR20.49%, 25.49%, or 29.49% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee3% for 120 days from account opening, then up to 5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction FeeNone
Apply Now

On Wells Fargo's Website.

Rates & Fees

Yes, if you:

  • Want a card that doesn't charge a foreign transaction fee.
  • Spend enough on travel to offset the card's annual fee.
  • Want to earn a large sign-on bonus to lower the cost of a future trip.

Since the Wells Fargo Autograph Journey℠ Card doesn't have an introductory annual percentage rate period, it's crucial to pay off the statement balance in full each month to avoid paying interest. Plus, it's a good idea to pay your cellphone bill with the card to possibly get up to $1,000 per claim in supplemental cellphone protection.

Cardholders earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases. Pairing this card with its no-annual-fee sibling – the Wells Fargo Autograph℠ Card – can help boost your bonus point redemption. You can combine points between these two cards.

Editor's Take

If you're looking for a travel card that provides plenty of chances to earn rewards, the Wells Fargo Autograph Journey℠ Card is worth considering. The welcome bonus is comparable to other mid-level travel rewards cards. Earning the bonus can more than offset the card's $95 annual fee for the first few years. Plus, the card comes with ongoing perks like trip cancellation/interruption insurance and lost baggage reimbursement.

That said, if you don't travel much or usually carry a balance, the card probably won't provide enough value to offset its annual fee.

Jerry BrownContributor

As a Wells Fargo Autograph Journey℠ Cardholder, you can earn 60,000 bonus points after spending $4,000 in purchases in the first 3 months of account opening.

The quickest way to accumulate rewards is to earn the 60,000-point welcome bonus by spending $4,000 in purchases in the first 3 months of account opening. That translates to $600 when redeemed for travel. If you don't normally spend that much in three months, then waiting until you have a big one-time expense before opening the card could ease the challenge of meeting the spending threshold.

Another way to maximize the card's value is to use the card for all higher-earning categories like hotels and airlines. You can also maximize your rewards by transferring them to one of Wells Fargo's travel partners.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a comparable travel card. Like the Wells Fargo Autograph Journey℠ Card, it has a $95 annual fee. It also has a similar welcome bonus – you can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

However, the Chase Sapphire Preferred® Card rewards program operates differently from the Wells Fargo program. You can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. As a result, you could potentially earn more rewards if your spending habits better align with the Chase Sapphire Preferred® Card.

In addition, the Chase Sapphire Preferred® Card has a more extensive list of transfer partners. You can transfer points to 11 airline travel partners or three hotel travel partners at a 1:1 value.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PenFed Platinum Rewards Visa Signature® Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Platinum Rewards Visa Signature® Card
Rates and Fees

Terms Apply

The information for Platinum Rewards Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Platinum Rewards Visa Signature® Card

This card offers generous rewards on gas, groceries, dining and streaming services.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn 15,000 bonus points after spending $1,500 on qualifying purchases within 90 days of account opening

Rewards Rate

5x cash back on gas paid at the pump and at EV charging stations

Pros

  • The card doesn't have an annual fee or foreign transaction fees.

  • The APR of 17.99% is lower than the average among similar cards.

  • Cardholders who pay their cellphone bill with the card have protection if their cellphone is stolen or damaged.

Cons

  • Borrowers need good to excellent credit to qualify for the card.

  • The card's 12-month 0% introductory APR applies to balance transfers, but not purchases.

  • You must become a PenFed member to apply for the card. You can join when you apply by opening a savings account with a $5 deposit.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Platinum Rewards Visa Signature® Card is a solid option for anyone who spends a lot on gas, groceries, eating out and streaming services. The card earns five points per dollar at gas stations and EV charging stations; three points per dollar on grocery purchases, restaurants and streaming services; and one point per dollar on everything else. The card has no annual fee and offers a 12-month 0% introductory annual percentage rate on balance transfers.

If you spend $1,500 within 90 days of opening the card, you'll earn 15,000 bonus points.

  • Issuer NamePenFed
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.99%
  • Penalty APR17.99% Variable APR
  • Purchases Intro APR17.99% Variable APR
  • Balance Transfer Fee3% per transaction

Yes, if you:

  • Don't want to pay an annual fee 
  • Spend a lot on groceries or gas 
  • Can meet the spending requirement for the sign-up bonus

The Platinum Rewards Visa Signature® Card is best used for bonus category purchases such as gas, groceries, dining and streaming services. For other spending, you can switch to a flat-rate cash back card that earns above the one-point-per-dollar base rate. It's also a good idea to pay your cellphone bill using the card – doing so will activate insurance that offers up to $1,000 a year if your phone is lost, stolen or damaged.

Editor's Take

The Platinum Rewards Visa Signature® Card has a lot of rewards and benefits for anyone who is or wants to become a member of PenFed Credit Union. With no annual fee and a lower APR than most cards, cardholders can earn points on everyday spending, plus score some extra benefits like cellphone protection and travel accident coverage.

Dawn PapandreaContributor

If you spend $1,500 within 90 days of opening the card, you'll earn 15,000 bonus points.

The Platinum Rewards Visa Signature® Card offers unlimited, straightforward rewards. You can earn five points per dollar at gas stations and EV charging stations.

You can also earn three points per dollar on groceries, restaurants and streaming services. You'll earn one point per dollar on all other purchases. If you spend $1,500 within 90 days of opening the card, you'll earn 15,000 bonus points.

You can redeem your points for gift cards, travel rewards, electronics, merchandise and experiences. You also have the option to donate your rewards to charity.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Deserve Edu Master for Students Review
By David Haynes
|
Updated: Fri Nov 01
By David Haynes
|
Updated: Fri Nov 01, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Deserve® EDU Mastercard for Students

Terms Apply

More Info

The information for the Deserve® EDU Mastercard for Students has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Deserve® EDU Mastercard for Students

Credit Needed

Excellent, Good, Limited History, No Credit History

Annual Fee

$0

Intro Offer

Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

College students who have no credit or limited credit can apply for the Deserve® EDU Mastercard for Students, which is a cash back credit card with no annual fee. It earns unlimited 1% cash back on most purchases, with rewards redeemed as statement credits. Practical benefits available to users include car rental coverage, cellphone protection and extended warranty coverage. With the Deserve® EDU Mastercard for Students, you'll earn .

Deserve® EDU Mastercard for Students review: The Deserve® EDU Mastercard for Students is an accessible card for students who want to build credit, but it does not offer any bonus rewards categories.

  • No credit requirement: This card is available to students who have no credit or limited credit.
  • No annual fee or foreign transaction fee: Deserve® EDU Mastercard for Students cardholders are not charged an annual fee. You also won’t have to pay a foreign transaction fee, so you can save money when making purchases abroad.
  • Card benefits: Cardholders can access valuable benefits such as cellphone protection, extended warranty coverage and car rental coverage. With the Deserve® EDU Mastercard for Students, you'll also earn .

  • No bonus rewards categories: This card offers 1% cash back on every eligible purchase, but it doesn’t offer any bonus rewards categories. Bonus rewards for certain types of spending are available with many cash back credit cards, including student cards.
  • Limited usability: Cardholders of the Deserve® EDU Mastercard for Students cannot use the card to make balance transfers or take out cash advances.
  • High interest rate: New cardholders don’t have access to a 0% introductory annual percentage rate on purchases. Instead, there is an 22.49% variable APR.

  • Issuer NameDeserve
  • Credit NeededExcellent, Good, Limited History, No Credit History
  • Annual Fee$0
  • Regular APR22.49% Variable
  • Foreign Transaction FeeNone

Deserve® EDU Mastercard for Students vs. Discover it® Student Cash Back

Annual fee: Neither card has an annual fee.

Rewards: The Deserve® EDU Mastercard for Students offers 1% cash back on all eligible purchases. The Discover it® Student Cash Back card earns 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Sign-up bonus: With the Deserve® EDU Mastercard for Students, you can earn . The Discover it® Student Cash Back will automatically match all cash back earned at the end of the first year for new cardholders.

Benefits: The Deserve® EDU Mastercard for Students comes with benefits such as extended warranty coverage, roadside service and identity theft protection. The Discover it® Student Cash Back offers benefits including free security alerts to help protect you from identity theft and access to a free monthly FICO® score.

Deserve® EDU Mastercard for Students vs. Bank of America® Customized Cash Rewards for Students

Annual fee: Neither card charges an annual fee.

Rewards: With the Deserve® EDU Mastercard for Students, you’ll earn 1% cash back on all eligible purchases. The Bank of America® Customized Cash Rewards for Students earns 3% cash back on purchases in a category of the user’s choosing and 2% cash back on eligible grocery and wholesale club purchases. Options for the 3% category include gas, dining, travel and online shopping. You’ll earn at the 3% and 2% cash back rates on up to $2,500 in spending each quarter. After that, and on all other eligible purchases, you’ll earn 1% cash back.

Sign-up bonus: With the Deserve® EDU Mastercard for Students, you can earn . If you make $1,000 or more in purchases in your first three months with the Bank of America® Customized Cash Rewards for Students, you’ll get $200 in bonus cash rewards.

Benefits: The Deserve® EDU Mastercard for Students comes with benefits including car rental coverage, cellphone protection and protection against fraudulent purchases. The Bank of America® Customized Cash Rewards for Students offers benefits including a $0 liability guarantee for fraudulent purchases and free access to your FICO® score, updated each month.

The Deserve® EDU Mastercard for Students doesn’t offer bonus categories, so it’s simple to earn rewards. Make almost any purchase and you’ll earn 1% cash back. Rewards never expire while your account is open, and they will automatically be redeemed for statement credits $25 at a time.

  • Annual fee: There is no annual fee with the Deserve® EDU Mastercard for Students.
  • Foreign transaction fee: There is no foreign transaction fee.
  • Balance transfer fee: The Deserve® EDU Mastercard for Students does not allow balance transfers.
  • Cash advance fee: The Deserve® EDU Mastercard for Students does not provide cash advances.
  • Late payment fee: You may be charged up to $25 for late payments.
  • Returned payment fee: You may be charged up to $37 for returned payments.

Yes, if you:

  • Are a student who wants to build credit.
  • Want to avoid foreign transaction fees.
  • Don't need to make any balance transfers.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Chase Freedom Unlimited Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Earn at least 1.5% cash back on every purchase with no annual fee.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Rewards Rate

3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

Pros

  • Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining (including takeout and delivery services) and drugstore purchases, and 1.5% cash back on all other purchases.

  • Offers a 0% intro APR on balance transfers and 0% intro APR on purchases for 15 months.

Cons

  • The $300 you can earn with the extra 1.5% in the first year is smaller than some other rewards cards.

  • Charges a 3% of each transaction in U.S. dollars.

  • Has a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Chase Freedom Unlimited® is a cash back credit card with a lot of value. Cardholders earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining (including takeout and delivery services) and drugstore purchases, and 1.5% cash back on all other purchases. You earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.

The card offers a 0% intro APR on balance transfers and 0% intro APR on purchases for 15 months. Once that introductory period ends, the APR is 19.74% to 28.49% variable, so you should plan to pay your balance in full each month. The card doesn't charge an annual fee.

Other benefits include purchase protection, extended warranty protection and trip cancellation or interruption insurance.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR19.74% - 28.49% Variable
  • Penalty APRUp to 29.99%
  • Purchases Intro APR0% Intro APR on Purchases for 15 months
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee3% of each transaction in U.S. dollars
Apply Now

On Chase's Website.

Yes, if you:

  • Don't want to pay an annual fee. 
  • Want to earn cash back on everyday purchases.
  • Can use the 0% intro APR on balance transfers and 0% intro APR on purchases for 15 months, then a 19.74% to 28.49% variable APR applies.

Cash back is the major feature of Chase Freedom Unlimited®, so you should plan to take full advantage of your rewards-earning potential with this card. That's easy to do, as you'll earn at least 1.5% on every purchase. You can earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining (including takeout and delivery services) and drugstore purchases, and 1.5% cash back on all other purchases.

With a 0% intro APR on balance transfers and 0% intro APR on purchases for 15 months, Chase Freedom Unlimited® can save you money on interest charges if you need to transfer a balance or make a large purchase. A great way to use this card would be to make a large purchase you need to pay off over time. You'll earn at least 1.5% cash back on the purchase and get up to 15 months to pay it off interest free. Just be sure to pay off your balance before interest charges apply, as this card has a 19.74% to 28.49% variable APR after the introductory period expires.

Editor's Take

Chase Freedom Unlimited® has broad appeal whether you want to earn cash back, take a break on interest charges or avoid paying an annual fee. This card is part of the Chase Trifecta, a trio of Chase cards that, when combined, can maximize Chase Travel℠ points earning. Chase Freedom Unlimited® is the everyday card in the trifecta that earns at least 1.5% on every purchase.

Jessica MerrittContributor

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.

It's a good idea to use this card for travel purchased through Chase Travel℠, which earns 5% cash back. Dining and drugstores earn 3% cash back and all other purchases earn 1.5% cash back. That makes Chase Freedom Unlimited® a great everyday card that you can use for bonus categories or earning at least 1.5% cash back on everything else.

Plus, points don't expire as long as the account remains open and in good standing. Points can be redeemed for cash, a statement credit, gift cards or used to book travel through Chase Travel℠.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Cash Back

Discover it® Cash Back is another strong cash back card with no annual fee and a 0% intro APR for 15 months on purchases, then a 18.49% to 27.49% variable APR applies, based on credit worthiness. With this card, you'll earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Also, Discover will match all the cash back you’ve earned at the end of your first year. That could be larger than the $300 you can earn with the extra 1.5% in the first year offered by Chase Freedom Unlimited®. However, Chase Freedom Unlimited® earns at least 1.5% cash back on all purchases, while Discover it® Cash Back earns 1% on purchases not in the quarterly bonus categories.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Altitude® Go Visa Signature® Card 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Altitude Go Visa Signature Card
Rates and Fees

Terms Apply

More Info

The information for the U.S. Bank Altitude Go Visa Signature Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

U.S. Bank Altitude Go Visa Signature Card

This card may be well suited for consumers who spend a lot on dining, groceries and gas.

Credit Needed

Good, Excellent

Annual Fee

$0

Rewards Rate

4X Points per $1 spent on eligible dining, takeout and restaurant delivery.

Pros

  • You’ll get unlimited four points per dollar on dining, takeout and food delivery purchases, two points per dollar on grocery store and delivery purchases, gas stations, EV charging stations and streaming services and one point per dollar on all other purchases.

  • The card doesn’t charge an annual fee or a foreign transaction fee.

  • This card offers a 12-billing-cycle 0% introductory APR on purchases and balance transfers made within 60 days of opening an account.

Cons

  • The U.S. Bank Altitude Go Visa Signature Card is only available to applicants with good or excellent credit.

  • Depending on your credit, the interest rate range can reach as high as 29.24%.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank Altitude Go Visa Signature Card is designed for cardholders with good or excellent credit who are seeking a robust rewards program. You’ll earn four points per dollar on dining, takeout and food delivery purchases, two points per dollar on grocery store and delivery purchases, gas stations, EV charging stations and streaming services and one point per dollar on all other purchases. Earn 20,000 bonus points when you spend $1,000 on eligible purchases within the first 90 days of opening an account. That's a value redeemable towards merchandise, gift cards, cash back, travel and more. These perks come with the card for no annual fee.

  • Issuer NameU.S. Bank
  • Credit NeededGood, Excellent
  • Annual Fee$0
  • Regular APR17.74% - 28.74% Variable APR
  • Penalty APRNone
  • Purchases Intro APR0% intro APR on purchases and balance transfers for 12 billing cycles
  • Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • Cash Advance FeeEither 5% of the amount of each advance or $10 minimum, whichever is greater.

Yes, if you:

  • Can spend $1,000 on eligible purchases within the first 90 days of opening an account.
  • Want to earn bonus rewards for spending at restaurants, grocery stores and gas stations.
  • Have good to excellent credit.

Use the card to pay for streaming services. Not only do you get two points per dollar spent, but you’ll earn a $15 annual streaming service credit after 11 months of streaming service purchases.

In addition to using the card for its bonus categories, you can use the 12-billing-cycle 0% APR to pay off a large purchase. Just try to get your balance down to $0 before the 0% annual percentage rate expires to avoid paying what could be a high APR.

Editor's Take

The U.S. Bank Altitude Go Visa Signature Card may be lesser known than some of the other major everyday spending rewards cards, but it’s worth considering. If you’re a foodie who subscribes to a few streaming services, you can come away with good value from this card. The best part is rewards are unlimited.

Dawn PapandreaContributor

The U.S. Bank Altitude Go Visa Signature Card offers a -point introductory bonus after you spend $1,000 on eligible purchases within the first 90 days of opening an account. That's a value redeemable towards merchandise, gift cards, cash back, travel and more.

You can maximize rewards with the U.S. Bank Altitude Go Visa Signature Card by earning four points per dollar on dining, takeout and food delivery purchases, two points per dollar on grocery store and delivery purchases, gas stations, EV charging stations and streaming services and one point per dollar on all other purchases.

If you want to boost your earnings with the 20,000 bonus points worth you will need to spend at least $1,000 on eligible purchases within the first 90 days of opening an account.

The information for the PNC Cash Rewards® Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One Savor Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Savor Cash Rewards Credit Card

Another no-annual-fee rewards card with bonus categories centered around dining, streaming and other everyday spending categories is the Capital One Savor Cash Rewards Credit Card. The rewards structure is slightly different from the U.S. Bank Altitude Go Visa Signature Card in that you’ll earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 8% Cash Back on Capital One Entertainment purchases. 1% Cash Back on all other purchases.

The Capital One Savor Cash Rewards Credit Card welcome offer is also a $200 value, but you’ll earn the sign-up bonus after you spend $500 on purchases within 3 months from account opening rather than the $1,000 needed to earn with the U.S. Bank Altitude Go Visa Signature Card. While both cards offer a 0% introductory APR, the Capital One Savor Cash Rewards Credit Card’s 0% intro on balance transfers and purchases for 15 months is slightly longer. Both cards have no foreign transaction fees. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Secured Visa Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Secured Visa® Card

Terms Apply

The information for the U.S. Bank Secured Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

U.S. Bank Secured Visa® Card

The U.S. Bank Secured Visa® Card can help you build credit without an annual fee, but other secured cards offer better rewards and perks

Credit Needed

Poor/Limited/No History

Annual Fee

$0

Pros

  • With the U.S. Bank Secured Visa® Card, you’ll get zero fraud liability coverage, free credit score access through TransUnion, and fraud protection.

  • If you have a late payment, you won’t be subject to a penalty APR.

  • The security deposit can be between $300 and $5,000; your credit line will be equal to your deposit amount.

Cons

  • The U.S. Bank Secured Visa® Card does not have a sign-up bonus, and you won’t earn rewards when using the card.

  • Purchase APR on this card is 29.24% (variable), which is higher than average.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Designed for building or rebuilding credit history, the U.S. Bank Secured Visa® Card is a secured credit card with a $0 annual fee. Cardholders must put down a minimum security deposit of $300, either online or by mail. The card offers benefits, including free monthly TransUnion credit score access, zero fraud liability coverage and fraud protection. It carries a 29.24% variable APR on purchases and balance transfers.

  • Issuer NameU.S. Bank
  • Credit NeededPoor/Limited/No History
  • Annual Fee$0
  • Regular APR29.24%
  • Penalty APRNone
  • Balance Transfer Fee3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance FeeConvenience Check Cash Advance: Either 3% of the amount of each advance or $5 minimum, whichever is greater Cash Advance ATM/Cash Advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater Cash Equivalent Advance: Either 4% of the amount of each advance or $20 minimum, whichever is greater
  • Foreign Transaction Fee2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Yes, if you:

  • Have a thin credit file or scores in the fair credit range.
  • Want a secured card without an annual fee.
  • Prefer to make a higher security deposit than other cards may allow.

A secured card like the U.S. Bank Secured Visa® Card is meant to be a trial run so you can prove yourself worthy of an unsecured credit card. To grow your score, make small purchases each month and pay your bill in full and on time. Also, take advantage of the free credit score access and Score Simulator tool offered to cardholders through TransUnion’s CreditView™ Dashboard so you can track your credit-building progress.

Editor's Take

The U.S. Bank Secured Visa® Card can be a good choice if you have fair credit and want to improve your credit score without paying an annual fee. Secured cards are a stepping stone to better credit products and opportunities, so you can boost your credit score if you make on-time payments with the U.S. Bank Secured Visa® Card. However, if you want to earn rewards or get meaningful cardholder benefits, alternatives such as the Discover it® Secured Credit Card may be a better choice.

Dawn PapandreaContributor

The U.S. Bank Secured Visa® Card does not have a welcome offer.

The U.S. Bank Secured Visa® Card doesn’t earn rewards, but you can make the most of its credit-building features. Set up automatic payments to ensure that you’re never late. Paying on time is the most important factor in your credit score, and if you’re trying to build credit, missing a due date can significantly delay your progress.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

While the U.S. Bank Secured Visa® Card can help you build credit, it doesn't have the bells and whistles you’ll find on the Discover it® Secured Credit Card. You’ll still have to leave a security deposit to serve as your line of credit, but you’ll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. Also, Discover will match all the cash back you’ve earned at the end of your first year. You may also have a surer path to moving to an unsecured card, as Discover starts doing account reviews after seven months; U.S. Bank does not disclose if or when it will review your account status.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Discover it® Secured Credit Card Review | U.S. News
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

The Discover it® Secured Credit Card is a good way to build your credit while earning cash back rewards.

Credit Needed

New, Rebuilding

Annual Fee

$0

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Rewards Rate

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Pros

  • Discover will review your account after seven months to determine if your account can transition to an unsecured credit card.

  • Discover will match all the cash back you’ve earned at the end of your first year.

  • You’ll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Cons

  • A minimum security deposit of $200 is required.

  • Approval for the card is not guaranteed and is determined by income, delinquency history and other factors.

  • There's a high annual percentage rate for purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Discover it® Secured Credit Card is a rewards credit card for those who are new to credit, have poor or bad credit, or are rebuilding credit. With it, cardholders can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases

At the end of your first year with the Discover it® Secured Credit Card, Discover will match all the cash back you’ve earned at the end of your first year. .

  • Issuer NameDiscover
  • Credit NeededNew, Rebuilding
  • Annual Fee$0
  • Regular APR27.49% Variable APR
  • Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On Discover's Website.

Rates & Fees

Yes, if you:

  • Want to build or rebuild your credit and can afford to make at least a $200 security deposit.
  • Would like to earn cash back on everyday purchases.
  • Don't want to pay an annual fee.

The main objective of any secured credit card is to build a good credit history by making on-time payments and maintaining low credit utilization. Earning rewards with a secured credit card is nice, but don't feel the need to spend just to earn cash back.

The card still has a high APR on purchases, so try to pay off your balance each month to avoid incurring interest. It's best for building your credit if you only use a small portion of your available credit and make on-time payments.

Editor's Take

The Discover it® Secured Credit Card is a great choice to help establish your credit while earning some cash back rewards. If meeting the $200 minimum security deposit for this card is an issue, the Capital One Platinum Secured Credit Card has minimum deposits starting at just $49.

Austin ColeContributor

Discover will match all the cash back you earn at the end of your first year.

Cardholders can maximize earnings with the Discover it® Secured Credit Card by taking advantage of the bonus categories. You’ll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One Quicksilver Secured Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Secured Cash Rewards Credit Card

The Capital One Quicksilver Secured Cash Rewards Credit Card is an alternative option to the Discover it® Secured Credit Card if you want to earn cash back at more than just gas stations and restaurants. The Capital One Quicksilver Secured Cash Rewards Credit Card offers unlimited 1.5% Cash Back on every purchase, every day. You'll lose out on Discover's cash back match at the end of your first year but may out-earn those rewards by earning a flat rate of 1.5% on every purchase.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Chase United MileagePlus Explorer Business Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

United℠ Business Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

United℠ Business Card

This airline card for business owners offers loyal United flyers a big selection of perks and rewards for a modest annual fee.

Credit Needed

Good, Excellent

Annual Fee

$0 intro annual fee for the first year, then $99

Intro Offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Rewards Rate

2x Miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting

Pros

  • When you fly United, get a free checked bag for you and one companion on the same reservation, valued at up to $160 per roundtrip.

  • United℠ Business Card holders get priority boarding, two United Club℠ one-time passes annually and 25% back as a statement credit on purchases of food, beverages and Wi-Fi on United flights.

  • There are no foreign transaction fees on this card.

Cons

  • The card has an annual fee of $0 intro annual fee for the first year, then $99.

  • There is no 0% introductory annual percentage rate on purchases or balance transfers and an APR of 21.24% to 28.24% variable.

  • Some cards may offer more than 2 miles per dollar for their bonus categories.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The United℠ Business Card is an airline co-branded business travel card designed for business owners who frequently fly with United Airlines. With this card, you will 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases. Cardholders can also earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

As a cardholder, you will get airline perks and savings, an auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, trip delay reimbursement, purchase protection, and concierge service. Perks include a free checked bag, priority boarding and two annual United Club℠ one-time passes.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$0 intro annual fee for the first year, then $99
  • Regular APR21.24% - 28.24% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Frequently travel for business with United Airlines.
  • Will take advantage of perks like the checked bag benefit.
  • Don’t mind paying an annual fee.

Beyond the welcome offer and rewards, the United℠ Business Card has a few frequent flyer features to take advantage of. One is for status seekers: You can earn up to 1,000 Premier Qualifying Points. For every $500 you spend on purchases, you’ll get 25 PQPs that can be applied toward your Premier status qualification. Also, after seven United flights purchased in one year, you’ll get a $100 United travel credit. Finally, if you have both the United℠ Business Card and a personal United credit card, you'll score 5,000 “better-together” anniversary bonus miles.

Editor's Take

This card is for business owners who frequently travel with United Airlines. If you fit that bill, you’ll likely find the card very valuable. The free first checked bag for you and a companion on just one trip alone is worth more than the annual fee. Then, when you consider the other perks, travel protections and the accelerated path toward higher loyalty program status, the United℠ Business Card has a definite return on investment.

Dawn PapandreaContributor

You can earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Cardholders of the United℠ Business Card 2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. 1x mile on all other purchases. You'll earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

If you prefer more flexible redemption and flat-rate rewards, the Capital One Spark Miles for Business card is worth exploring. It has an annual fee of $0 intro for first year; $95 after that. Cardholders 2 Miles per $1 on every purchase, everywhere. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

The card also offers a statement credit of up to $120 every four years as reimbursement for a TSA PreCheck or Global Entry application fee. However, the welcome offer on the Capital One Spark Miles for Business card is less impressive than the United℠ Business Card. Cardholders can earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening. Though you’ll miss out on the United-specific perks like free checked bags and priority boarding, you’ll be able to redeem points in various ways, including for travel through Capital One or one of its 15+ travel partners or for cash or gift cards. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Quicksilver Cash Rewards Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

Fee-averse cardholders can earn rewards at a flat rate or take advantage of an introductory annual percentage rate on purchases and balance transfers with the Capital One Quicksilver Cash Rewards Credit Card.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards Rate

1.5% Cash back on every purchase, every day

Pros

  • Earns a flat-rate 1.5% Cash Back on every purchase, every day.

  • Earns one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Offers a 0% intro on purchases for 15 months, then 19.49% to 29.49% (variable).

Cons

  • Doesn’t offer the chance to earn bonus rewards on certain purchases.

  • Some other cash-back credit cards offer larger sign-up bonuses.

  • Has a potentially high APR after the introductory period.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Quicksilver Cash Rewards Credit Card is a simple cash-back credit card that offers 1.5% Cash Back on every purchase, every day. Plus, new cardholders can earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

The card also offers a 0% intro on purchases for 15 months, 19.49% to 29.49% (variable) APR after that, with a 3% balance transfer fee on amounts transferred within the first 15 months (See Rates & Fees).

With just one rewards rate, this card might be a solid choice for consumers who don't want to bother tracking various bonus categories and strategize to maximize rewards, even if that means earning fewer rewards. While the card offers a solid introductory 0% APR, some cardholders may benefit from other 0% interest cards that offer longer promotional periods.

  • Issuer NameCapital One
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR19.49% - 29.49% (Variable)
  • Penalty APRNone
  • Purchases Intro APR0% intro on purchases for 15 months
  • Balance Transfer FeeBalance transfer fee applies
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Want a simple cash-back rewards program.
  • Prioritize having $0 annual fee.
  • Need a long introductory 0% APR promotion.

You’ll get the most value out of the Capital One Quicksilver Cash Rewards Credit Card by using its 0% intro on purchases for 15 months, 19.49% to 29.49% (variable) APR after that. That can help you save on interest if you have a balance you need to pay down or a large purchase you need to pay for over time.

If you transfer a balance to the Capital One Quicksilver Cash Rewards Credit Card, calculate how much you’ll need to pay each month to pay off the balance before the 0% introductory rate expires. And avoid making new purchases until you’re done paying the balance transfer amount.

Editor's Take

The Capital One Quicksilver Cash Rewards Credit Card is a solid cash-back card with $0 annual fee (See Rates & Fees). It’s good for cardholders who want to earn cash back but don’t want to juggle the details of maximizing rewards. While other credit cards can earn more rewards, the Capital One Quicksilver Cash Rewards Credit Card earns 1.5% Cash Back on every purchase, every day – with no quarterly bonuses to activate or bonus categories to remember.

With a 0% intro on purchases for 15 months, then a 19.49% to 29.49% (variable) APR, this card is also good for people who want to pay off credit card balances or finance purchases for a little over a year.

If you don’t have the good-to-excellent credit needed to get approved for the Capital One Quicksilver Cash Rewards Credit Card, consider the Capital One QuicksilverOne Cash Rewards Credit Card, which requires fair credit and earns 1.5% Cash Back on every purchase, every day with a $39 annual fee (See Rates & Fees).

Jessica MerrittContributor

New cardholders earn one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Earning 1.5% Cash Back on every purchase, every day, it’s easy to maximize rewards with the Capital One Quicksilver Cash Rewards Credit Card. All you have to do to earn 1.5% cash back is make purchases on the card. Cash back can be redeemed as a check, statement credit, gift card or applied to cover a recent purchase on your card. Rewards can be redeemed for any amount and don’t expire for the life of the account.

The sign-up bonus is a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, so plan your purchases to earn the bonus if you want to maximize your rewards.

You could earn more rewards if you use the Capital One Quicksilver Cash Rewards Credit Card as a backup to cards that earn rewards in bonus categories. For example, you could use the Capital One Savor Cash Rewards Credit Card to earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Then you could use the Capital One Quicksilver Cash Rewards Credit Card to earn 1.5% cash back on all other purchases such as gas or retail shopping.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Just like the Capital One Quicksilver Cash Rewards Credit Card, the Chase Freedom Unlimited® has a $0 annual fee and offers a 0% intro APR on purchases for 15 months, then an APR of 19.74% to 28.49% variable. Cardholders can earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. But the Chase Freedom Unlimited® outdoes the Capital One Quicksilver Cash Rewards Credit Card with 5% cash back up to the first $12,000 spent on combined gas and grocery store purchases in the first year. It also offers 3% cash back on dining and drugstores and 5% on travel purchases through Chase.

For rates and fees of the Capital One Quicksilver Cash Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Amazon Visa Credit Card
By Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Amazon Visa Credit Card

Terms Apply

More Info

The information for the Amazon Rewards Visa Signature Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Amazon Visa Credit Card

Get rewarded for your Amazon and other everyday purchases with no annual fee.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

3% Cash back at Amazon.com and Whole Foods Market

Pros

  • You get the card’s welcome offer instantly with no spending requirement.

  • There is no annual fee or foreign transaction fee.

  • The Amazon Visa card has benefits including an auto rental collision damage waiver, travel accident insurance, roadside dispatch, extended warranty protection and purchase protection.

Cons

  • Without a Prime membership, you miss out on higher rewards and promotional rewards bonuses.

  • You won’t earn rewards on interest-free financing purchases.

  • A penalty APR may apply indefinitely if you miss a payment.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Amazon Visa offers rewards on everyday purchases, including Amazon.com, Amazon Fresh, Whole Foods Market, dining, transit and at U.S. gas stations, all with no annual fee. Plus, you earn more when you book travel through Chase Travel. Redeem rewards on Amazon.com or for cash back, gift cards or travel. While the Amazon Visa doesn’t earn the top-tier rewards the Prime Visa does, it’s a good option if you want Amazon rewards but don’t want to splurge for a Prime membership.

  • Issuer NameChase
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR18.99% - 26.99% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee$5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $5 or 4% of the amount of each transaction, whichever is greater

Yes, if you:

  • Frequently shop on Amazon.com or at Whole Foods Market.
  • Don’t have an Amazon Prime account.
  • Want to earn cash back on everyday purchases with no annual fee.

The Amazon Visa card earns the most rewards when used for Amazon or Whole Foods purchases, so it’s a good idea to use this card when you shop on Amazon or in any other categories that offer elevated rewards. If you don’t shop on Amazon enough to redeem your rewards for Amazon purchases, you can get cash back, gift cards or travel at Chase.com instead.

Editor's Take

The Amazon Visa is a solid choice for earning points with no annual fee for those who shop on Amazon.com or at Whole Foods Market. It’s icing on the cake if you want to earn 3% back on Chase Travel and 2% back on other everyday purchases, including gas, dining and transit. But this card’s earning power isn’t as attractive as the Prime Visa version of the card that’s designed for Amazon Prime members.

Stephanie SteinbergStaff Writer

If you are approved for the Amazon Visa Card, you’ll automatically get a $50 Amazon gift card.

Using your card on Amazon.com and at Whole Foods Market is the easiest way to maximize rewards with the Amazon Visa, as both categories earn 3% back. The card also earns an unlimited 3% back on Chase Travel purchases and 2% back on dining, local transit and commuting, including rideshare, and at U.S. gas stations. All other purchases earn 1% back.

You can redeem rewards for purchases on Amazon.com as soon as the next day. Alternatively, you can redeem rewards when logging into your Chase account. Chase rewards redemption options include cash back, gift cards and Chase Travel. Amazon Visa rewards are not transferable.

The information for the Bank of America® Customized Cash Rewards Credit Card and the U.S. Bank Cash+ Visa Signature Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

If you’re not a big-time Amazon shopper but like the idea of a no-annual-fee card that earns rewards, consider the Chase Freedom Unlimited®. It offers 1.5% additional cash back for new cardholders in the first year (on up to $20,000 spent) on top of its already generous bonus categories. That means you’ll earn 4.5% on dining at restaurants, including takeout and eligible delivery services, 4.5% on drugstore purchases, 6.5% on travel purchased through Chase Travel and 3% back on all other purchases. Your Amazon purchases would earn 3% back, at least for the first year, and then 1.5% thereafter. You also get a 0% introductory APR for the first 15 months on purchases and balance transfers, then an APR of 19.74% to 28.49% variable. However, the Amazon Visa Credit Card is slightly better in terms of travel benefits, and the Chase Freedom Unlimited® has a 3% foreign transaction fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Credit One Bank Visa Cash Back Rewards | US News
By David Haynes
|
Updated: Wed Dec 11
By David Haynes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Credit One Bank® Visa® Cash Back Rewards

Terms Apply

The information for the Credit One Bank® Visa® Cash Back Rewards has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Credit One Bank® Visa® Cash Back Rewards

Credit Needed

Fair, Good

Annual Fee

$39

Rewards Rate

1% Cash back rewards on all eligible purchases

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Credit One Bank® Visa® Cash Back Rewards is designed for people with fair credit, and it offers an initial $300 credit line. There is a $39 annual fee. Cardholders earn 1% cash back on qualifying gas and grocery purchases, along with select telecommunication services. Card benefits include free Experian credit score access and zero dollar fraud liability coverage.

Cash back rewards: With the Credit One Bank® Visa® Cash Back Rewards, cardholders earn 1% cash back on qualifying gas and grocery purchases. The card also offers 1% cash back on select telecommunication services, which include internet, cable, satellite TV and cellphone services.

Low credit score requirement: This card is available to consumers with fair credit.

Card fees: Credit One Bank® Visa® Cash Back Rewards cardholders pay a $39 annual fee. There is a 3% ($1 minimum) foreign transaction fee, an 8% ($5 minimum) cash advance fee and a $1 minimum interest charge.

High interest rate: This card doesn’t offer a 0% introductory annual percentage rate on purchases or balance transfers. It has a 28.74% (variable rate) APR.

  • Issuer NameCredit One Bank
  • Credit NeededFair, Good
  • Annual Fee$39
  • Regular APR28.74% (variable rate)
  • Penalty APRNone
  • Balance Transfer FeeSee Terms
  • Cash Advance Fee$5/8%, whichever is greater (see terms)
  • Foreign Transaction Fee3% or $1.00, whichever is greater

Cardholder benefits for the Credit One Bank® Visa® Cash Back Rewards include:

  • Free Experian credit score access
  • Zero dollar fraud liability coverage

You’ll earn rewards with the Credit One Bank® Visa® Cash Back Rewards when you make purchases in the card’s 1% cash back categories. These include internet, cable, satellite TV and cellphone services, along with eligible gas station and grocery store purchases.

Credit One Bank® Visa® Cash Back Rewards vs. Chase Freedom Unlimited®

Annual fee: A $39 annual fee is required for the Credit One Bank® Visa® Cash Back Rewards. The Chase Freedom Unlimited® card doesn't charge an annual fee.

Rewards: Credit One Bank® Visa® Cash Back Rewards cardholders earn 1% cash back on qualifying gas and grocery purchases and on select telecommunication services. The Chase Freedom Unlimited® card earns 5% cash back on travel purchased through Chase Travel, 3% cash back on dining and drugstore purchases and 1.5% cash back on all other purchases.

Welcome bonus: The Credit One Bank® Visa® Cash Back Rewards doesn't have an introductory bonus. With the Chase Freedom Unlimited® cardholders can earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year). — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Benefits: With the Credit One Bank® Visa® Cash Back Rewards, you'll have zero dollar fraud liability coverage and free Experian credit score access. The Chase Freedom Unlimited® card includes benefits such as zero liability protection, purchase protection and extended warranty protection.

Credit One Bank® Visa® Cash Back Rewards vs. Citi Double Cash® Card

Annual fee: Credit One Bank® Visa® Cash Back Rewards cardholders pay a $39 annual fee. The Citi Double Cash® Card doesn't have an annual fee.

Rewards: With the Credit One Bank® Visa® Cash Back Rewards, you'll receive 1% cash back on qualifying gas and grocery purchases and on select telecommunication services. Citi Double Cash® Card holders earn 1% cash back on every purchase and another 1% when you pay it off.

Welcome bonus: The Credit One Bank® Visa® Cash Back Rewards does not offer a sign-up bonus. With the Citi Double Cash® Card you can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back with the Citi Double Cash® Card provided your account is current. The Citi Double Cash® Card card offers a 0% introductory APR on balance transfers for 18 months. After that, a 18.49% to 28.49% (variable), based on your creditworthiness.

Benefits: The Credit One Bank® Visa® Cash Back Rewards includes zero dollar fraud liability coverage and free Experian credit score access. Citi Double Cash® Card holders have exclusive access to entertainment ticket purchases, identity theft support and concierge service.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bluegreen Rewards Mastercard Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bluegreen Rewards® Mastercard®

Terms Apply

The information for the Bluegreen Rewards® Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bluegreen Rewards® Mastercard®

The Bluegreen Rewards® Mastercard® helps timeshare owners earn rewards, but other rewards cards offer better value and benefits.

Annual Fee

$0

Rewards Rate

1X Point per dollar spent on all other purchases

Pros

  • Earning the 1,000-point sign-up bonus only requires that you make a qualifying purchase or balance transfer.

  • There’s a 0% introductory APR on bluegreen timeshare purchases for the first 6 months.

  • $0 annual fee.

Cons

  • The only bonus category is on Bluegreen purchases.

  • The Bluegreen Rewards® Mastercard® does not offer cardholder benefits, such as extended warranty coverage or auto rental insurance.

  • There is a 3% foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bluegreen Rewards® Mastercard® from Barclays is a travel rewards credit card designed for people who own timeshares with Bluegreen Vacations. It earns two points per dollar on Bluegreen purchases, timeshare upgrades and annual maintenance fees and one point per dollar on all other purchases. After you make your first qualifying purchase or balance transfer, you will earn 1,000 bonus points. For the first 6 months, you can get a 0% introductory APR on bluegreen timeshare purchases. There is no annual fee.

  • Issuer NameBarclays
  • Annual Fee$0
  • Regular APR20.49%, 24.74%, or 29.74% based on your creditworthiness
  • Penalty APRNone
  • Purchases Intro APR0% introductory APR on Bluegreen timeshare purchases
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3%

Yes, if you:

  • Own timeshares with Bluegreen Vacations.
  • Want to earn rewards on Bluegreen purchases.
  • Don’t plan to use the card when traveling abroad.

Make this your Bluegreen Vacation spending card, but switch to a higher-earning card for other purchases. If you have a large Bluegreen Vacation purchase to make, you could try to time your card opening so you can enjoy 6 months of 0% APR while also earning the welcome bonus.

Editor's Take

The Bluegreen Rewards® Mastercard® can help Bluegreen Vacations timeshare owners offset some of their costs but doesn’t have a ton of value otherwise. If you use the card for all of your Bluegreen spending, you’ll earn two points per dollar to apply toward maintenance fees, exchange fees, club dues and more. But overall, you’re better off choosing from among the many no-annual-fee rewards cards that provide more value and benefits.

Dawn PapandreaContributor

The Bluegreen Rewards® Mastercard® earns 1,000 bonus points when you make your first qualifying purchase or balance transfer.

Maximize rewards with the Bluegreen Rewards® Mastercard® by earning two points per dollar on Bluegreen purchases, timeshare upgrades and annual maintenance fees. It earns one point per dollar on all other purchases. You'll also earn 1,000 bonus points when you make your first qualifying purchase or balance transfer.

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
20,000 Miles once you spend $500 on purchases within 3 months from account opening
Rewards
5X Miles per dollar on hotels and rental cars booked through Capital One Travel.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Petal® 1 "No Annual Fee" Visa® Credit Card 2024 Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt and Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt and Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Petal® 1 "No Annual Fee" Visa® Credit Card

Terms Apply

More Info

The information for the Petal® 1 "No Annual Fee" Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Petal® 1 "No Annual Fee" Visa® Credit Card

The Petal® 1 "No Annual Fee" Visa® Credit Card is open to those with no credit or poor credit, and doesn’t require a security deposit.

Credit Needed

Fair, Limited History, No History, Limited, No Credit

Annual Fee

$0

Intro Offer

Earn a credit limit increase in as little as 6 months. Terms and conditions apply.

Rewards Rate

2x cash back on select purchases

Pros

  • This card charges no annual fee and no foreign transaction fees.

  • This card is unsecured, so it does not require a security deposit and you can earn a credit limit increase in as little as six months.

  • Petal uses a “Cash Score” based on your banking history to determine your creditworthiness instead of just checking your credit score.

Cons

  • The APR range is higher than average at 25.24% to 34.74% variable.

  • The Petal® 1 "No Annual Fee" Visa® Credit Card does not have a welcome offer or 0% introductory APR on purchases or balance transfers.

  • The cash back is not on all purchases or in specific categories; it’s just on purchases made with certain merchants.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Petal® 1 "No Annual Fee" Visa® Credit Card is available to individuals with no credit, fair credit or poor credit. It offers a $300 to $5,000 credit limit with no security deposit. Cardholders can earn 2% to 10% cash back on eligible purchases from select merchants. The card reports activity to all three major credit bureaus, and it carries an annual percentage rate of 25.24% to 34.74% variable. The Petal® 1 "No Annual Fee" Visa® Credit Card is issued by WebBank, a member bank of the Federal Deposit Insurance Corp.

  • Issuer NameWebBank
  • Credit NeededFair, Limited History, No History, Limited, No Credit
  • Annual Fee$0
  • Regular APR25.24% to 34.74% variable
  • Penalty APRNone

Yes, if you:

  • Have no credit or poor credit. 
  • Want to build credit without paying a security deposit.
  • Can pay your bill in full each month to avoid the high APR.

The Petal® 1 "No Annual Fee" Visa® Credit Card is all about building credit through good payment habits, so it’s best to use the card for that purpose. Don’t be enticed by the cash back offers or make purchases that use up your full credit limit. Rather, use the card for very small purchases and pay the bill in full at the end of the month, as on-time payments and keeping balances low are the two biggest factors impacting your credit score. Along those lines, consider setting up autopay so you never accidentally miss a payment.

Editor's Take

There aren’t many unsecured card options for people with limited or poor credit, but the Petal® 1 "No Annual Fee" Visa® Credit Card doesn’t require a security deposit. There’s also no annual fee. Avoid chasing the cash back or revolving a balance since you’ll end up paying a high APR and won’t maximize the credit-building aspect of the card if you can’t pay it off.

Dawn PapandreaContributor

The Petal® 1 "No Annual Fee" Visa® Credit Card does not have a welcome offer.

You won’t have access to a traditional rewards program with the Petal® 1 "No Annual Fee" Visa® Credit Card. Instead, you can earn 2% to 10% cash back on eligible purchases from select merchants. These offers are automatically loaded onto your card but are subject to change.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One QuicksilverOne Cash Rewards Credit Card

If you can qualify, the Capital One QuicksilverOne Cash Rewards Credit Card is another unsecured card for people with fair credit. Unlike the Petal® 1 "No Annual Fee" Visa® Credit Card, the Capital One QuicksilverOne Cash Rewards Credit Card has a small annual fee of $39 and a high APR of 29.99% (variable). However, cardholders benefit from a true cash back rewards program, earning unlimited 1.5% Cash Back on every purchase, every day. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Platinum Plus Business MasterCard Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Platinum Plus® Mastercard® Business card

Terms Apply

The information for the Bank of America Platinum Plus® Mastercard® Business card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America® Platinum Plus® Mastercard® Business card

This card offers business users a low APR and a nice selection of travel benefits, but no ongoing rewards.

Annual Fee

$0

Pros

  • The card comes with travel and emergency benefits, including travel accident insurance, emergency ticket replacement, lost luggage assistance and legal and medical referrals when you're away from home.

  • The lower end of the APR range is 16.49%, which is lower than average, though you’ll need strong credit to qualify for that rate.

  • Cardholders start off with an introductory APR of 0% on purchases for the first seven billing cycles.

Cons

  • The card does not offer a cash back or a rewards program.

  • There is a foreign transaction fee of 3% of the U.S. dollar amount of each transaction.

  • This card charges a relatively high balance transfer fee of 4% of each transaction.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Platinum Plus® Mastercard® Business card is a business credit card. It offers an introductory APR of 0% on purchases for the first seven billing cycles and a standard variable APR of 15.74% to 26.74% variable APR. There is no annual fee, and you can earn a $300 statement credit when you spend $3,000 in purchases within 90 days of opening an account.

  • Issuer NameBank of America
  • Annual Fee$0
  • Regular APR15.74% to 26.74% Variable APR
  • Penalty APRNone
  • Purchases Intro APR0% on purchases for the first seven billing cycles
  • Balance Transfer Fee4% of each transaction
  • Cash Advance Fee4% of the amount of each transaction.
  • Foreign Transaction Fee3% of the U.S. dollar amount of each transaction

Yes, if you:

  • Want a business card with a low APR.
  • Don't need a rewards program.
  • Like having travel benefits.

Take advantage of the upfront offers on this card, including the sign-up bonus and the introductory APR offer of 0% on purchases for the first seven billing cycles. While you might want to book travel with the card to access the travel protections, be mindful that you’ll pay a foreign transaction fee if you make purchases outside the U.S.

Editor's Take

If you're a business owner who may need to revolve a balance from time to time and you have excellent credit, getting the lower-than-average APR on this card can help reduce your borrowing expense. But if your credit is that strong, you may be better off choosing a different business card that offers cash back, rewards or a higher welcome offer.

Dawn PapandreaContributor

The Bank of America® Platinum Plus® Mastercard® Business card offers new cardholders the ability to earn a $300 statement credit sign-up bonus when you spend $3,000 in purchases within 90 days of opening an account.

Earning the welcome offer is the only way to get rewards with the Bank of America® Platinum Plus® Mastercard® Business card. To do so, you’ll need to spend $3,000 in purchases within 90 days of opening an account to earn a $300 statement credit.

Capital One® Spark® 1% Classic

Capital One® Spark® 1% Classic

Terms Apply

Annual Fee
$0
Regular APR
29.99% Variable APR
Rewards
1% Cash back on every purchase
Read More

The information for the Capital One® Spark® 1% Classic has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Rewards
5% Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

Annual Fee
No annual fee
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards
2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The information for the Capital One® Spark® Classic for Business has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The American Express Blue Business Cash™ Card

If you’re looking for a simple business credit card with a 0% introductory APR on purchases, The American Express Blue Business Cash™ Card gives you 0% on purchases for 12 months from date of account opening, then an APR of 17.74% to 25.74% variable. The card has a welcome offer in which you can earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months, slightly lower than the $300 offered on the Bank of America® Platinum Plus® Mastercard® Business card. While the Bank of America® Platinum Plus® Mastercard® Business card doesn't have a rewards program, The American Express Blue Business Cash™ Card earns cash back on your purchases: cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD TD First Class Visa Signature Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

TD First Class℠ Visa Signature® Credit Card

Terms Apply

The information for the TD First Class℠ Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

TD First Class℠ Visa Signature® Credit Card

Earn rewards miles and get a 12-month 0% introductory annual percentage rate on balance transfers.

Credit Needed

Good/Excellent

Annual Fee

$89

Rewards Rate

3X Miles on travel and dining purchases

Pros

  • Earns 3 miles per dollar on travel and dining.

  • You’ll get a 12-month 0% introductory annual percentage rate on balance transfers.

  • You can earn 25,000 bonus miles after spending $3,000 within the first six billing cycles.

Cons

  • There’s an $89 annual fee after the first year.

  • The 0% introductory APR doesn’t apply to purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The TD First Class℠ Visa Signature® Credit Card is a travel rewards card that earns 3 miles per dollar on travel and dining purchases and 1 mile per dollar on all other purchases. When you spend $3,000 within the first six billing cycles, you’ll earn 25,000 bonus miles, equal to a $250 statement credit toward travel or dining purchases. Though there’s an $89 annual fee, it’s waived for the first year, and you can get 12-month 0% introductory annual percentage rate on balance transfers.

  • Issuer NameTD Bank
  • Credit NeededGood/Excellent
  • Annual Fee$89
  • Regular APR17.74% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance Fee$10 or 3% of advance, whichever amount is greater

Yes, if you:

  • Want to earn 3 miles per dollar on travel and dining.
  • Can take advantage of the 12-month 0% introductory annual percentage rate on balance transfers.
  • Will get enough value from the card to offset the annual fee after the first year.

You can save on interest using the TD First Class℠ Visa Signature® Credit Card’s 12-month 0% introductory annual percentage rate on balance transfers. Just be sure to pay off your balance in full before interest applies.

When you use the TD First Class℠ Visa Signature® Credit Card, you’ll earn 3 miles per dollar on travel and dining, and you can earn a 25,000 bonus miles after you spend $3,000 within the first six billing cycles.

Editor's Take

If you travel or dine out frequently, you can rack up miles with the TD First Class℠ Visa Signature® Credit Card, which earns 3 miles per dollar on travel and dining – including flights, hotels, car rentals and cruises. However, this card may not be as valuable to you as a flexible travel rewards card, such as the Chase Sapphire Preferred® Card that offers a higher rewards rate for certain travel purchases.

Jessica MerrittContributor

New cardholders earn 25,000 bonus miles after spending $3,000 within the first six billing cycles.

You can jump-start your earnings by spending $3,000 within the first six billing cycles to earn the 25,000 bonus miles with this card. For ongoing rewards, you’ll earn 3 miles per dollar on travel and dining purchases and 1 mile per dollar on all other purchases. Miles do not expire and can be redeemed for travel, cash back, gift cards or merchandise.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card starts with a $95 annual fee, which is more costly than the TD First Class℠ Visa Signature® Credit Card’s $89 annual fee that’s waived for the first year. However, your rewards and benefits potential are much higher with the Chase Sapphire Preferred® Card. You can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening with the Chase Sapphire Preferred® Card's welcome offer.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Spark Cash Select for Business Review | U.S. News
By U.S. News Staff
|
Updated: Wed Dec 11
By U.S. News Staff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One® Spark® Cash Select for Business

Terms Apply

The information for the Capital One® Spark® Cash Select for Business has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Capital One® Spark® Cash Select for Business

Credit Needed

Excellent, Good

Annual Fee

$0

Rewards Rate

1.5% Cash back on every purchase

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Sun Country Airlines Visa Signature Card Review | U.S. News
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Sun Country Airlines® Visa Signature® Card

Terms Apply

The information for the Sun Country Airlines® Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Sun Country Airlines® Visa Signature® Card

This card may be a good choice for those who frequently travel with Sun Country Airlines and don't mind paying an annual fee.

Credit Needed

Good/Excellent

Annual Fee

$69

Rewards Rate

3X Points per dollar spent on Sun Country purchases

Pros

  • Earns a 25,000-point introductory bonus.

  • Has no foreign transaction fee.

  • Cardholders receive priority boarding, one free premium drink per flight and a 50% discount on seat selections and first-bag fees.

Cons

  • Rewards points can only be redeemed for flights with Sun Country Airlines or on Sun Country travel packages.

  • Sun Country Airlines doesn't offer travel to all major U.S. airports.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Sun Country Airlines® Visa Signature® Card rewards program offers three points for every dollar spent with Sun Country Airlines, two points per dollar on gas and grocery purchases and one point per dollar on all other purchases. Points can be redeemed for award travel with Sun Country Airlines. This card charges an annual fee of $69. The current variable annual percentage rate for purchases and balance transfers for the Sun Country Airlines Visa Signature Card is 20.24% to 28.24%.

  • Issuer NameFirst Bankcard
  • Credit NeededGood/Excellent
  • Annual Fee$69
  • Regular APR20.24% to 28.24%
  • Penalty APRNone
  • Balance Transfer Fee$10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $15 or 5% of the amount of each cash advance, whichever is greater

Yes, if you:

  • Are a frequent traveler with Sun Country Airlines.
  • Spend enough to offset the $69 annual fee.
  • Don't carry a balance.

You might want to wait to sign up for this card until you’re ready to book a trip with Sun Country Airlines. Sun Country Airlines Visa Signature Card holders earn 30,000 bonus points after making $1,500 or more in purchases in the first three billing cycles after opening an account, and booking a Sun Country Airlines flight can help you get close to or meet the $1,500 threshold while earning three points per dollar.

There are no blackout dates for Sun Country award travel, so feel free to save up points for holiday travel or peak travel season.

Editor's Take

The Sun Country Airlines® Visa Signature® Card offers enticing rewards for avid Sun Country Airlines travelers. With a 25,000 bonus-point welcome bonus and the opportunity to earn three points per dollar spent on Sun Country Airlines purchases, it's a top pick for frequent fliers of Sun Country Airlines. You'll have a variety of redemption choices, including Sun Country published flights, flight and hotel packages and baggage fees. Plus, your reward points never expire as long as your account remains open and in good standing.

If you can avoid carrying a balance and earn enough rewards to offset the $69 annual fee, the card is a good choice for those who frequently fly with Sun Country Airlines. However, if you aren't located near a Sun Country Airlines hub, you may be better suited getting a more well-rounded travel rewards card that allows you to redeem your points with multiple airlines.

Austin ColeContributor

Sun Country Airlines Visa Signature Card holders earn 30,000 bonus points after making $1,500 or more in purchases in the first three billing cycles after opening an account.

The best way to maximize your benefits with the Sun Country Airlines® Visa Signature® Card is to charge all Sun Country Airlines flights you book on the card to take advantage of the three points per dollar in rewards. Sun Country Airlines Visa Signature Card holders earn 30,000 bonus points after making $1,500 or more in purchases in the first three billing cycles after opening an account. You will receive an additional 10,000 anniversary bonus points when you spend $10,000 or more on your card during each 12-billing-cycle period.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a great alternative to the Sun Country Airlines® Visa Signature® Card. With only a slightly higher annual fee, the Chase Sapphire Preferred® Card offers five points per dollar spent on travel purchased through Chase Travel℠. This means cardholders earn more points when booking flights and are not restricted to the use of one airline.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Platinum Delta SkyMiles Business Credit Card from American Express Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Delta SkyMiles® Platinum Business American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles® Platinum Business American Express Card is for business travelers loyal to Delta who want top-notch travel protections and benefits, but not necessarily premium ones.

Credit Needed

Excellent, Good

Annual Fee

$350

Intro Offer

Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

1.5X Miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

Pros

  • Cardholders of the Delta SkyMiles® Platinum Business American Express Card get airline perks, including priority boarding, complimentary upgrades, and a free first checked bag.

  • Get closer to Medallion Qualification to move up the ranks of Delta tier status. You’ll get $2,500 Medallion® Qualification Dollars each Medallion Qualification Year, plus earn $1 Medallion Qualification Dollar for each $20 in purchases on your Delta SkyMiles® Platinum Business Card.

  • When booking award travel using your Delta SkyMiles, you’ll get 15% off.

  • Cardholders are awarded a companion round-trip certificate each year upon account renewal.

Cons

  • This card has a $350 annual fee.

  • There is a penalty APR of 29.99% variable that will last at least 12 months if you miss a payment.

  • This card does not offer any airport lounge access.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Delta SkyMiles® Platinum Business American Express Card is an airline co-branded business travel credit card designed for people who frequently fly with Delta Air Lines. The card earns 3 miles per dollar on eligible purchases made directly with Delta and on eligible purchases made directly with hotels and 1 Mile on every eligible dollar spent on other purchases. You'll earn 1.5 miles per dollar on transit, U.S. shipping and purchases of $5,000 or more – up to $100,000 in the first year.

New cardholders can earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Cardholders get perks including a free first checked bag, an annual companion certificate and $200 in credits on prepaid Delta Stays bookings.

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$350
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Fly Delta frequently for business trips.
  • Will take advantage of value-added perks like free checked bags, $200 Delta Stays credit and companion certificate.
  • Don’t need a card with airport lounge access.

Business travelers can benefit from this card if they maximize the key perks, with hundreds in benefits and statement credits available. For example, if you’re flying with your team, up to eight additional members of your travel party can check one bag for free if they are on your reservation — a $30 value for each bag. Round trip, that’s $540 in savings alone. Don’t sleep on other features, like the $120 ride-hailing credit (up to $10 per month), the $120 Resy credit (up to $10 per month) and the annual companion certificate. Prepaid Delta Stays bookings will also earn you $200 in credits.

You can also add up to 99 employee cards to manage business expenses while helping to boost your earning power, so keep that in mind. For non-bonus category spending like dining or gas, consider pairing this card with another card that earns a higher base rate or bonus points on those items.

Editor's Take

The Delta SkyMiles® Platinum Business American Express Card is a “just right” mid-tier card for business travelers who prefer flying Delta. It offers a strong welcome offer and ongoing benefits like the free first checked bag, $200 Delta Stays annual credit and annual companion certificate that help justify the $350 annual fee. If you want more premium benefits, you might consider going a level higher with the Delta SkyMiles® Reserve Business American Express Card. Or, if you fly less frequently, you can try the lower-fee Delta SkyMiles® Gold Business American Express Card.

Dawn PapandreaContributor

New cardholders can earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

The card earns 3 miles per dollar on eligible purchases made directly with Delta and on eligible purchases made directly with hotels and 1 Mile on every eligible dollar spent on other purchases. You'll earn 1.5 miles per dollar on transit, U.S. shipping, and purchases of $5,000 or more – up to $100,000 in the first year. Earn $200 in credits on prepaid Delta Stays bookings, and aim to earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards
2X Miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms Apply

Annual Fee
$550
Regular APR
21.74% - 28.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
Apply Now

On Chase's Website.

Terms Apply

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express
Rates and Fees

Terms Apply

Annual Fee
$695
Regular APR
18.74% - 27.74% Variable
Intro Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Rewards
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Business Credit Cards
Delta SkyMiles® Gold Business American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Gold Business American Express Card

If you’re committed to flying Delta but don’t travel that often, the Delta SkyMiles® Gold Business American Express Card is a less costly version of the card. You’ll pay a $0 introductory annual fee for the first year, then $150 thereafter. You won’t earn rewards at the same rate as the Delta SkyMiles® Platinum Business American Express Card, but you’ll get 2 miles per dollar spent on Delta and U.S. shipping and select U.S. advertising purchases. If you reach $10,000 in purchases in a calendar year, you’ll also earn a $200 Delta flight credit.

While both cards offer free checked bag benefits and priority boarding, there is no companion certificate on the Delta SkyMiles® Gold Business American Express Card. As for welcome offers, the one on the Delta SkyMiles® Gold Business American Express Card is lower and requires a bit less spending: cardholders can earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. (See Rates & Fees)

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Ink Business Unlimited Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Ink Business Unlimited® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Unlimited® Credit Card

This is a no-annual-fee, straightforward cash back card for business owners with a generous welcome offer.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Rewards Rate

1.5% cash back on every purchase made for your business

Pros

  • $0 annual fee.

  • It offers a 0% intro APR on purchases for 12 months. After that, the APR can range from 17.74% to 23.74% variable.

  • The welcome offer is generous for a no-fee card.

Cons

  • This card does not have any bonus categories.

  • There is a foreign transaction fee of 3% of each transaction in U.S. dollars.

  • If you are late with your payment, you may have to pay a default APR of up to 29.99% that can last indefinitely.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Ink Business Unlimited® Credit Card from Chase is a business rewards credit card. With this card, businesses can earn unlimited 1.5% cash back with every purchase. New cardholders will earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. There is no annual fee and the card offers a 0% intro APR on purchases for 12 months. After that, the APR can range from 17.74% to 23.74% variable. The Ink Business Unlimited® Credit Card comes with travel and purchase coverage benefits, including an auto rental collision damage waiver, purchase protection and extended warranty protection.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.74% - 23.74% Variable
  • Penalty APRUp to 29.99%
  • Purchases Intro APR0% Intro APR on Purchases for 12 months
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee3% of each transaction in U.S. dollars
Apply Now

On Chase's Website.

Yes, if you:

  • Want a no-annual-fee business credit card.
  • Like having a flat rate on cash back.
  • Do not plan on using the card for travel outside the U.S.

The Ink Business Unlimited® Credit Card offers 1.5% flat-rate cash back, so it can be a good card on its own or paired with another credit card that offers bonus categories. Keep watch for special promotions that help you earn rewards, like the 5% cash back on Lyft rides you can get through March 2025 (3.5% on top of the 1.5% flat rate). You can also take advantage of the 0% APR on purchases in the first 12 months if you have a large purchase to make. After that, the APR can range from 17.74% to 23.74% variable.

Editor's Take

The Ink Business Unlimited® Credit Card is a great choice for a small business owner who doesn’t do a lot of travel but wants to earn some rewards on business expenses. With the very generous welcome offer and the 1.5% unlimited rewards across all purchases, it’s a simple and straightforward rewards card. If you spend a good amount within particular categories, you may be better served by a rewards card that has higher bonus rates on that spend, however.

Dawn PapandreaContributor

New cardholders can earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

With the Ink Business Unlimited® Credit Card, you’ll earn unlimited 1.5% cash back on all purchases. New cardholders will earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is another no-fee, flat-rate cash back card, but with a slightly different structure. You’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. The welcome offer is lower but also has a lower minimum spending requirement, as cardholders can earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Cardholders of the The American Express Blue Business Cash™ Card also get a 0% on purchases for 12 months from date of account opening (17.74% to 25.74% variable after that), the same as the Ink Business Unlimited® Credit Card. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Destiny Mastercard Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Destiny™ Mastercard®

Terms Apply

The information for the Destiny™ Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Destiny™ Mastercard®

While the Destiny™ Mastercard® provides those with poor credit scores access to credit, it charges an annual fee for the privilege.

Credit Needed

Bad/Fair

Annual Fee

See Terms

Pros

  • You won't need a high credit score for the Destiny™ Mastercard®. Those with bad to fair credit and prior bankruptcies may qualify.

  • The Destiny™ Mastercard® lets you prequalify to find out whether you're eligible for the card before you apply.

Cons

  • You'll pay an annual fee.

  • You won't have access to a rewards program or introductory bonus.

  • Balances are subject to a 24.9% APR. This is higher than the average credit card APR in the U.S.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Destiny™ Mastercard® is an unsecured credit card for people with bad to fair credit. Potential applicants are prompted to prequalify to see whether they may be approved for the card. This step doesn't impact your credit score. Once you have the card, the Destiny™ Mastercard® reports your transaction history monthly to all three major credit bureaus.

Depending on which version you qualify for, the Destiny™ Mastercard® has a $59 to $99 annual fee and 24.9% annual percentage rate, or APR. Mastercard benefits, including identity theft protection and zero liability protection for unauthorized purchases, are available to cardholders.

  • Issuer NameGenesis FS Card Services
  • Credit NeededBad/Fair
  • Annual FeeSee Terms
  • Regular APRSee Terms
  • Penalty APR29.90% Fixed Variable
  • Balance Transfer FeeSee Terms
  • Cash Advance Fee$0 during the first year; after the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)
  • Foreign Transaction Fee1% of each transaction in U.S. dollars.

Yes, if you:

  • Have bad credit or went through bankruptcy and want to improve your creditworthiness.
  • Don't need to make balance transfers.
  • Don't want to use a secured credit card.

The Destiny™ Mastercard® is an unsecured credit card for people with bad credit. It can be a good choice if you’re recovering from bankruptcy or prefer to avoid secured credit cards that require a security deposit.

Prequalifying for this card is a wise move, as you can find out whether you're likely to be approved for the card before applying. It doesn't affect your credit score when you prequalify, but applying triggers a hard credit inquiry that can temporarily ding your credit score, so it’s good to feel confident about your approval odds before you commit to applying.

While you won't pay a security deposit to hold this card, you will pay an annual fee of at least $59. It may not make sense to keep this card long term and continue paying the annual fee after you've improved your credit.

Editor's Take

The Destiny™ Mastercard® can make sense if you're unable to get approved for other cards, but there are better options for improving your credit history. If you're struggling with bad credit, you should look for a card you can responsibly use long term with low costs – ideally, with no annual fee.

Opening a credit card and keeping it open indefinitely with on-time payment history is a great way to improve your credit score. But with an annual fee and no appeal beyond fairly easy approval, the Destiny™ Mastercard® is not a card you should plan to keep open for years.

While you might hesitate to take on a secured credit card with a security deposit, a security deposit is refundable, while an annual fee is not. If you're struggling to get approved for an unsecured credit card with no annual fee, it could make sense to look for a no-annual-fee secured credit card such as the Capital One Platinum Secured Credit Card. (See Rates & Fees)

Jessica MerrittContributor

The Destiny™ Mastercard® doesn’t offer a welcome bonus.

The Destiny™ Mastercard® doesn’t offer rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

If you're willing to pay a security deposit, the Capital One Platinum Secured Credit Card could offer better features than the Destiny™ Mastercard®. It has a $0 annual fee, and people with bad credit can get approved with a refundable security deposit as low as $49 (See Rates & Fees). That one-time refundable deposit is less than the ongoing annual fee required of the Destiny Mastercard. After using your card responsibly, including making payments on time, you can get your security deposit back and upgrade to an unsecured Capital One Platinum Credit Card. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Wells Fargo One Key+™ Card 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

One Key+™ Card
Rates and Fees

Terms Apply

Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

One Key+™ Card

Get travel rewards, benefits and status with Expedia, Hotels.com and Vrbo for a $99 annual fee.

Credit Needed

Good to Excellent

Annual Fee

$99

Pros

  • You can earn rewards on qualifying hotel and short-term rental stays.

  • The card offers status with hotel discounts and travel perks, plus a $120 credit for Global Entry or TSA Precheck.

  • You'll get $100 in OneKeyCash each year on your cardholder anniversary.

Cons

  • There's a $99 annual fee.

  • OneKeyCash can only be redeemed with Expedia, Hotels.com and Vrbo.

  • Rewards expire after 18 months of account inactivity.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

You can earn travel rewards with the One Key+™ Card. This card earns 3% in OneKeyCash for purchases on Expedia, Hotels.com and Vrbo and at gas stations, grocery stores and on dining. All other purchases earn 2% in OneKeyCash. You'll earn $400 in OneKeyCash if you spend $3,000 on the card within the first three months.

With the One Key+™ Card, you'll get automatic One Key Gold status. With that status, you get 20% savings on eligible hotel bookings, priority traveler support, perks such as food and beverage extras, space-available room upgrades at VIP Access properties and price drop protection for eligible flight bookings. Spend $30,000 or more in a year, and you'll get to Platinum status, which offers all the perks of Gold but has Platinum VIP support.

Cardholders get $100 in OneKeyCash annually on your cardholder anniversary. You'll also receive a statement credit up to $120 for Global Entry or TSA PreCheck.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$99
  • Regular APR19.49%, 24.49%, or 29.49% Variable APR
  • Penalty APRNone
  • Balance Transfer Feeup to 5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction FeeNone
Apply Now

On Wells Fargo's Website.

Rates & Fees

Yes, if you:

  • Frequently book travel with Expedia, Hotels.com or Vrbo
  • Don't have loyalty to a hotel brand but want hotel perks
  • Will get enough value from the rewards and benefits to offset the annual fee

The One Key+™ Card offers value if you frequently book travel with Expedia, Hotels.com or Vrbo. You'll earn 3% in OneKeyCash on purchases with those brands. And with Gold status, you can get 20% off qualifying purchases.

You can earn $400 in OneKeyCash if you spend $3,000 within the first three months, so plan your purchases to meet that goal – but don't overspend just to get a sign-up bonus.

One of the card's most valuable benefits is the $120 statement credit for Global Entry or TSA Precheck, so it's a good idea to enroll in either of these programs if you haven't already.

Editor's Take

You can get good value from the One Key+™ Card if you tend to book travel with Expedia, Hotels.com or Vrbo. The 20% savings on qualifying bookings can more than pay for the annual fee if you spend enough on travel. And each year on your cardholder anniversary, you'll get $100 in OneKeyCash, which effectively offsets the annual fee. You can also get $120 back on Global Entry or TSA Precheck.

Still, other cards with a similar annual fee can give you more flexibility, such as the Chase Sapphire Preferred® Card. With that card, you can transfer points to Chase travel partners, book through the Chase Travel portal or use rewards for cash back, gift cards, merchandise and more – whereas One Key rewards must be spent on travel within the OneKey platform.

Jessica MerrittContributor

New cardholders earn $400 in OneKeyCash after spending $3,000 within the first three months.

You'll earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo purchases and at gas stations, grocery stores and on dining. All other purchases earn 2%. The sign-up bonus offers $400 in OneKeyCash when you spend $3,000 within the first three months.

This card earns flexible rewards that can be redeemed with Expedia, Hotels.com and Vrbo, which allows you to access all the travel brands within those booking sites. But at the same time, you can only use your rewards earned on this card within One Key, so you can't transfer points to other programs or get cash back. Rewards aren't transferable to other members and will expire if you don't have any earning or redemption activity within 18 months.

The information for the Priceline Rewards™ Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

With the Chase Sapphire Preferred® Card, you can earn five points per dollar on travel purchased through Chase Travel, three points per dollar on dining, select streaming services and online groceries, two points per dollar on other travel purchases and one point per dollar on all other purchases. You'll earn 75,000 bonus points after you spend $4,000 within the first three months, worth $900 when redeemed through Chase Travel. Points can be transferred to Chase travel partners, including major airline and hotel brands. The card also offers a $50 annual Chase Travel hotel credit and trip protections including an auto rental collision damage waiver. Similar to the Wells Fargo One Key+™ Card, the Chase Sapphire Preferred® Card has a $95 annual fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Amazon Business American Express Card | US News
By U.S. News Staff
|
Updated: Wed Dec 11
By U.S. News Staff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Amazon Business American Express Card
Rates and Fees

Terms Apply

More Info

The information for the Amazon Business American Express Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Amazon Business American Express Card

Annual Fee

$0

Rewards Rate

3% Back and benefit your bottom line or 60 days to pay interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (3% back applies to the first $120,000 in qualifying purchases each year, then 1%)

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Amazon Business American Express Card is a small business credit card that carries no annual fee and offers bonus rewards on Amazon purchases. Cardholders can choose to either get a 60-day 0% APR or earn 3% back on eligible U.S. purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com and Whole Foods Market (bonus cash back applies to the first $120,000 in eligible purchases, then 1%). After the interest-free period expires, the card has an APR of 18.74% to 26.74% variable. You’ll earn 2% back at U.S. gas stations, U.S. restaurants and on wireless services purchased directly from U.S. service providers and 1% back on all other purchases. New Amazon Business American Express Card holders receive a $100 Amazon gift card upon approval.

Rewards: With the Amazon Business American Express Card, you’ll have the option to either get a 0% APR for 60 days or earn 3% back on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (bonus cash back applies to the first $120,000 in eligible purchases, then 1%). You’ll earn 2% back at U.S. gas stations, U.S. restaurants and on wireless services purchased directly from U.S. service providers and 1% back on all other purchases.

Optional interest-free financing: The card offers the choice to earn 3% back or get a 60-day 0% APR on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (bonus cash back applies to the first $120,000 in eligible purchases, then 1%). If cardholders choose the 0% APR option, after 60 days, purchases are subject to a variable APR of 18.74% to 26.74% variable. You can take advantage of the interest-free option on every eligible purchase made during the lifetime of the account.

Limited redemption flexibility: Points earned with the Amazon Business American Express Card can only be used as a credit for eligible purchases at Amazon.com and Amazon.com/Business or as a reimbursement toward a charge on your statement.

Potentially high interest rate: If cardholders decide not to take advantage of the 0% APR for 60 days on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market, you’ll be subject to an APR of 18.74% to 26.74% variable.

  • Issuer NameAmerican Express
  • Annual Fee$0
  • Regular APR18.74% - 26.74% variable
  • Penalty APR29.99% Variable
  • Cash Advance Fee29.99% Variable

Cardholders of the Amazon Business American Express Card have access to various benefits, including:

  • A baggage insurance plan
  • Car rental loss and damage insurance
  • Global Assist Hotline
  • Relationship Care service

The Amazon Business American Express Card offers cardholders the option to take 60 days to pay interest free or earn 3% back on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (bonus cash back applies to the first $120,000 in eligible purchases, then 1%). With both options, you’ll earn 2% back at U.S. gas stations, U.S. restaurants and on wireless services purchased directly from U.S. service providers and 1% back on all other purchases. New Amazon Business American Express Card holders receive a $100 Amazon gift card upon approval.

Amazon Business American Express Card vs. Ink Business Cash® Credit Card

Annual fee: Neither card charges an annual fee.

Rewards: Choose to either take 60 days to pay interest free or earn 3% back on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with the Amazon Business American Express Card (bonus cash back applies to the first $120,000 in eligible purchases, then 1%). The card earns 2% back at U.S. gas stations, U.S. restaurants and on wireless services purchased directly from U.S. service providers and 1% back on all other purchases. With the Ink Business Cash® Credit Card, you'll earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each year, 2% back on the first $25,000 in combined purchases at gas stations and restaurants each year and 1% back on all other purchases.

Welcome offer: New Amazon Business American Express Card holders receive a $100 Amazon gift card upon approval. The Ink Business Cash® Credit Card offers a $$350 and $400 bonus cash back when you spend $6,000 on purchases in the first six months after account opening.

Benefits: Pay no foreign transaction fee and receive benefits such as a baggage insurance plan, access to the Global Assist Hotline, and car rental loss and damage insurance with the Amazon Business American Express Card. Ink Business Cash® Credit Card benefits include extended warranty protection, purchase protection, roadside dispatch, an auto rental collision damage waiver, and travel and emergency assistance services.

Amazon Business American Express Card vs. Capital One® Spark® Cash Select for Business

Annual fee: Neither card has an annual fee.

Rewards: With the Amazon Business American Express Card, you can either take 60 days to pay interest free or earn 3% back on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (bonus cash back applies to the first $120,000 in eligible purchases, then 1%). The card offers 2% back at U.S. gas stations, U.S. restaurants and on wireless services purchased directly from U.S. service providers and 1% back on all other purchases. Capital One® Spark® Cash Select for Business cardholders earn 1.5% cash back on all purchases.

Welcome offer: New Amazon Business American Express Card holders receive a $100 Amazon gift card upon approval. The Capital One® Spark® Cash Select for Business offers a $200 cash bonus after spending $3,000 on purchases within three months from account opening.

Benefits: The Amazon Business American Express Card charges no foreign transaction fee and includes benefits such as a baggage insurance plan, access to the Global Assist Hotline, and car rental loss and damage insurance with. The Capital One® Spark® Cash Select for Business includes an auto rental collision damage waiver, purchase security, extended warranty protection, and travel and emergency assistance services.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Blue Business Plus Credit Card from American Express Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

The Blue Business® Plus Credit Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

This card might be a good fit for small-business owners who want a card with a simple rewards structure and no annual fee.

Credit Needed

Good, Excellent

Annual Fee

No annual fee

Intro Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Rewards Rate

2X points on everyday business purchases such as office supplies or client dinners

Pros

  • No annual fee.

  • Introductory 0% on purchases for 12 months from date of account opening. After that, a 17.74% to 25.74% variable APR applies.

  • Free employee cards, account management tools, and a flexible credit limit.

Cons

  • This card has a foreign transaction fee of 2.7% of each transaction after conversion to US dollars, which isn’t ideal if you travel abroad for business.

  • If you pay late or have a returned payment, a penalty APR of 29.99% variable may apply for a minimum of 12 billing periods.

  • Bonus earnings are capped at $50,000 in spending.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Blue Business® Plus Credit Card from American Express is a business rewards credit card. Cardholders earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. New cardholders earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

There is no annual fee, and cardholders can take advantage of the card’s intro APR offer of 0% on purchases for 12 months from date of account opening. After that, a 17.74% to 25.74% variable APR applies. Cardholder benefits include free employee cards, purchase protection and extended warranty coverage. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual FeeNo annual fee
  • Regular APR17.74% - 25.74% Variable
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Want a business credit card with no annual fee and a simple rewards structure.
  • Plan to take advantage of the intro APR offer of 0% on purchases for 12 months from date of account opening. After that, a 17.74% to 25.74% variable APR applies. (See Rates & Fees)
  • Don't intend to use the card for purchases outside the U.S. or on spending above $50,000 per year.

Use The Blue Business® Plus Credit Card from American Express to help manage your small business expenses, taking advantage of the accounting tools and expense reporting features. You can also add on Employee Blue Business® Plus Credit Cards for free to monitor employee spending and collect the rewards. It might be a good idea to time the opening of this card for when you have a large purchase to make to take advantage of the card’s 0% on purchases for 12 months from date of account opening offer. It’s also a good idea to open the card when your business can afford to earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Editor's Take

The Blue Business® Plus Credit Card from American Express can be a great option for small business owners or entrepreneurs who are just starting out and looking for a card that helps them manage business expenses. Because there is no annual fee and the rewards are straightforward, there are no numbers to crunch. If you’re spending more than $50,000 per year, however, there are business credit cards that offer more value.

Dawn PapandreaContributor

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Cardholders of The Blue Business® Plus Credit Card from American Express earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. To take full advantage of the points-earning potential, cardholders should plan to spend up to $50,000 with the card each year. You should also plan to earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Rewards
5% Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Terms Apply

Annual Fee
$0
Regular APR
17.74% - 27.74% Variable APR
Rewards
3% Cash back on your choice of one of the following six categories
Read More

The information for the Bank of America® Business Advantage Customized Cash Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

The information for the Bank of America® Business Advantage Customized Cash Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

The Capital One Spark Miles for Business card is another flat-rate rewards card for small businesses. You’ll get 2 Miles per $1 on every purchase, everywhere, and there is no cap on earnings. Unlike the no-annual-fee The Blue Business® Plus Credit Card from American Express, the Capital One Spark Miles for Business charges $0 intro for first year; $95 after that per year. Capital One Spark Miles for Business does not have an introductory 0% APR, compared to the 0% on purchases for 12 months from date of account opening you get on purchases with The Blue Business® Plus Credit Card from American Express.

As for the welcome offer, you get 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening. It’s a higher spending requirement, but ultimately, worth more than the 15,000 Membership Rewards® points you get with The Blue Business® Plus Credit Card from American Express. Capital One Spark Miles for Business does not charge a foreign transaction fee, while The Blue Business® Plus Credit Card from American Express does. (See Rates & Fees)

For rates and fees of The Blue Business® Plus Credit Card from American Express, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Platinum Delta SkyMiles Credit Card from American Express Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Delta SkyMiles® Platinum American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Platinum American Express Card

This card rewards Delta Air Lines customers when they travel, stay at hotels, eat at restaurants and more.

Credit Needed

Excellent, Good

Annual Fee

$350

Intro Offer

Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

3X Miles on Delta purchases and purchases made directly with hotels.

Pros

  • Cardholders get a companion certificate for a free domestic main cabin round-trip flight each year upon renewal.

  • Get a statement credit for either Global Entry (valued at $120 every four years) or TSA PreCheck (worth $85 statement every 4.5 years).

  • Travel benefits include no foreign transaction fees, first checked bag free on Delta flights, car rental loss and damage insurance, baggage insurance, access to the 24/7 global assist hotline and 20% off eligible in-flight purchases in the form of a statement credit.

  • Cardholders will receive $2,500 Medallion Qualification Dollars (MQD) at the beginning of each year and will also earn an additional $1 MQD for every $20 spent.

Cons

  • The Delta SkyMiles® Platinum American Express Card charges a $350 annual fee.

  • Requires good to excellent credit.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Delta SkyMiles® Platinum American Express Card allows you to earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases. A $350 annual fee applies. New cardholders can earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. You can also earn $150 in credits on prepaid Delta Stays bookings. The interest rate for the Delta SkyMiles® Platinum American Express Card is 20.24% to 29.24% variable. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$350
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Fly Delta often.
  • Want perks like free checked bags and a companion certificate. 
  • Can justify the annual fee of $350. (See Rates & Fees)

The Delta SkyMiles® Platinum American Express Card is for frequent fliers who prefer Delta. You can easily recoup the annual fee by taking advantage of the companion certificate (which covers a round-trip domestic or international flight) and perks, including free checked bags. Prepaid Delta Stays bookings will earn you $150 in credits and you’ll also earn up to $10 per month in credits when ordering from Resy restaurants and select ride-hailing services. Enrollment required. But be strategic about your purchases so that you spend enough to earn the generous welcome offer. For spending you do in non-bonus categories, consider using another flat-rate cash back card that offers a higher base rate. You’ll receive 20% back as a statement credit on in-flight purchases. Statement credits can go up to $350.

Editor's Take

The Delta SkyMiles® Platinum American Express Card has numerous benefits for frequent Delta fliers who are able to maximize the card’s value. The first checked bag benefit alone will save you hundreds of dollars if you fly a couple of times per year with your family. If you’re more of a one-trip-per-year family or a solo flier, you might be better served by the lower-tier Delta SkyMiles® Gold American Express Card. Or, if you prefer airline flexibility, you can try a general travel rewards card such as the Chase Sapphire Preferred® Card.

Dawn PapandreaContributor

Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Getting the most out of your rewards is simple with the Delta SkyMiles® Platinum American Express Card. The more purchases you make using the card, the more miles you earn. Cardholders can also earn up to $10 per month in credits when ordering from Resy restaurants and select ride-hailing services, and earn $150 in credits on prepaid Delta Stays bookings. You'll earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases. Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Platinum Card® from American Express

The Platinum Card® from American Express
Rates and Fees

Terms Apply

Annual Fee
$695
Regular APR
See Pay Over Time APR
Intro Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Delta SkyMiles® Gold American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Gold American Express Card

If you love flying Delta but don’t go on more than a trip or two per year, or if you tend to fly solo, you might consider the less expensive Delta SkyMiles® Gold American Express Card. It has a $0 introductory annual fee for the first year, then $150. (See Rates & Fees)

However, the Delta SkyMiles® Gold American Express Card has lower earnings rates. Cardholders earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases. You can still earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Cardholders can also earn a $200 flight credit after spending $10,000 on the card in a calendar year, and you get your first checked bag free. But unlike the Delta SkyMiles® Platinum American Express Card, there’s no free bag for travel companions, or the yearly companion certificate.

For rates and fees of the Delta SkyMiles® Platinum American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD American Express Cash Magnet Card Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

American Express Cash Magnet® Card
Rates and Fees

Terms Apply

More Info

The information for the American Express Cash Magnet® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

American Express Cash Magnet® Card

This card offers an uncomplicated rewards program with no annual fee.

Credit Needed

Good, Excellent

Annual Fee

$0

Intro Offer

Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.

Rewards Rate

1.5% Cash Back on your purchases

Pros

  • $0 annual fee.

  • Cardholders receive an introductory APR offer of 0% on purchases for 15 months.

  • Simple cash back rewards structure.

Cons

  • No rewards bonus categories.

  • American Express is not as widely accepted as Visa or Mastercard.

  • Foreign transaction fees make this card not good for international use.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The American Express Cash Magnet Card is closed to new applicants. Existing cardholders may continue to use their cards.

The American Express Cash Magnet® Card is a simple cash back credit card that offers interest savings. New cardholders will get an intro APR offer of 0% on purchases for 15 months.

You’ll also earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.

Cardholders earn unlimited 1.5% cash back on all purchases. While that may be perfect if you prefer simplicity, it might not work as well if you want to maximize rewards. Also, the card’s high APR can be an issue after the promotional period ends if you don't pay your balance in full each month. This card has a $0 annual fee.

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$0
  • Regular APR19.24% to 29.99% variable APR
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% on purchases for 15 months
  • Cash Advance Fee29.74%
  • Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.

Yes, if you:

  • Want a simple cash back rewards program.
  • Need to finance a large purchase.
  • Prioritize having no annual fee.

The American Express Cash Magnet® Card’s sign-up bonus gives you earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Make a plan to spend at least $334 per month for the first six months with the card to earn the $200 statement credit. Also, take advantage of the intro APR offer of 0% on purchases for 15 months if you need to finance a big purchase or pay off a balance. However, with the high variable APR, try to not carry a balance after the promotional period ends.

The simplistic rewards system of the American Express Cash Magnet® Card is one of its selling points, but you may want to pair it with a card that earns bonus rewards in categories you frequently spend in. The Discover it® Cash Back has rotating bonus categories each quarter in which you can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Or, pair the American Express Cash Magnet® Card with a card like the Chase Freedom Unlimited® that offers bonus categories you don’t need to opt into.

Editor's Take

The American Express Cash Magnet® Card is a good choice for those looking for a simple cash back card with no annual fee. However, you may be able to find a higher rewards rate with a different flat-rate cash back card. The Wells Fargo Active Cash® Card allows cardholders to earn unlimited 2% cash rewards on purchases, and a lower spending requirement for its $200 sign-up bonus.

Austin ColeContributor

New cardholders can earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You’ll also receive an intro APR offer of 0% on purchases for 15 months.

The American Express Cash Magnet® Card offers earn unlimited 1.5% cash back on all purchases, making it a good choice for people who don't spend a lot in any one area of their budget or who don't want to spend much time on maximizing their rewards. With no annual fee, you don't need to worry about whether you're earning enough rewards to offset the fee. Just plan to not carry a balance after the introductory 0% APR promotional period ends, as interest charges can offset your rewards earning.

When you first get the card, you’ll have the chance to earn $200 back in the form of a statement credit. You will qualify after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Have a plan to use your card enough during that time to earn the bonus.

You can redeem your cash back as a statement credit with no minimum redemption amount. But keep in mind that you can't use cash back rewards to make your minimum payment.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers cardholders 4.5% cash back at drugstores and on dining at restaurants, including eligible delivery services and takeout, 6.5% cash back on travel purchased through Chase Travel℠ and 3% cash back on all other purchases – up to $20,000 spent during a cardholder’s first year. Also, enjoy a 0% intro APR on purchases for 15 months. After the intro period, the variable APR is 19.74% to 28.49% variable.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Hilton Honors Card from American Express Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Hilton Honors American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Hilton Honors American Express Card

The Hilton Honors American Express Card is good if you want to earn Hilton rewards but don’t want to pay an annual fee.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.

Rewards Rate

7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.

Pros

  • The Hilton Honors American Express Card has a low spending requirement to earn the introductory offer compared with similar cards.

  • You can earn bonus rewards on Hilton stays, dining, groceries and gas.

  • $0 annual fee, no foreign transaction fee and no over limit fee.

Cons

  • Reward earnings are only available as Hilton points.

  • Offers no introductory annual percentage rate and charges a potentially high APR.

  • It lacks the benefits offered by Hilton cards with annual fees.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

With a $0 annual fee and no foreign transaction fee, the Hilton Honors American Express Card can be a valuable credit card for travelers who prefer to stay at Hilton hotels and resorts. Cardholders earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card. You can earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.

The Hilton Honors American Express Card also comes with complimentary Hilton Honors Silver status. This provides a 20% points bonus on hotel stays, your fifth night free on reward stays, two free bottles of water upon arrival at select hotels and the ability to roll over extra nights for future stays. Silver status can be upgraded to gold if you spend $20,000 in a single calendar year. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Prefer to pay no annual fee.
  • Frequently spend in the card’s bonus categories.
  • Stay at Hilton hotels or resorts when you travel.

The Hilton Honors American Express Card offers impressive rewards and benefits for a card with a $0 annual fee, so it’s a good idea to take advantage of those. Cardholders can earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. You’ll also get Hilton Honors Silver status, which you can use to get your fifth night free on reward stays and earn a 20% bonus on stays.

Editor's Take

If you frequently stay at Hilton brand hotels, you can get a lot of value from the Hilton Honors American Express Card. With the ability to earn 100,000 Hilton Honors Bonus Points and seven points per dollar spent at Hilton hotels and resorts, it’s a good card to use if you want to earn Hilton points with no annual fee.

You might get more value from the Hilton Honors American Express Surpass® Card or the Hilton Honors American Express Aspire Card, which offer greater rewards and benefits than the Hilton Honors American Express Card but charge annual fees. Or, if you’re not loyal to Hilton, you might prefer the flexibility of a no-annual-fee travel rewards card like Capital One VentureOne Rewards Credit Card (See Rates & Fees), which earns rewards you can redeem for travel with many airlines and hotels, not just Hilton brands.

Jessica MerrittContributor

New cardholders can earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.

The fastest way to earn points is to use the Hilton Honors American Express Card at Hilton properties and at U.S. supermarkets, U.S. restaurants and U.S. gas stations, all of which earn bonus points with the card.

Cardholders earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card

With the Hilton Honors American Express Card, new cardholders earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. This card has a low spending requirement to earn the introductory offer compared with other cards offering a similar introductory bonus value.

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
Rates and Fees

Terms Apply

Annual Fee
$150
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Rewards
12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card
Rates and Fees

Terms Apply

Annual Fee
$550
Regular APR
20.99% to 29.99% variable
Intro Offer
Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
Read More

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
20,000 Miles once you spend $500 on purchases within 3 months from account opening
Rewards
5X Miles per dollar on hotels and rental cars booked through Capital One Travel.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One VentureOne Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card allows you to earn flexible travel rewards with a $0 annual fee. You can earn 1.25 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. (See Rates & Fees)

The sign-up bonus of 20,000 Miles once you spend $500 on purchases within 3 months from account opening isn’t quite as much as the Hilton Honors American Express Card’s welcome offer, which allows cardholders to earn 100,000 Hilton Honors Bonus Points, but you can redeem the Capital One VentureOne Rewards Credit Card’s rewards with more flexibility. You can use Capital One miles to get reimbursed for travel purchases, book using Capital One Travel or transfer your miles to Capital One’s more than 15 travel partners.

For rates and fees of the Hilton Honors American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD M&T Bank Visa Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

M&T Visa Credit Card

Terms Apply

The information for the M&T Visa Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

M&T Visa Credit Card

The M&T Visa Credit Card offers a 0% introductory annual percentage rate and overdraft protection for M&T customers.

Annual Fee

$0

Pros

  • $0 annual fee.

  • The card offers a 0% introductory APR on purchases and balance transfers for the first 12 months.

  • M&T bank customers can get overdraft protection with the card.

Cons

  • The card doesn't earn rewards or offer significant cardholder benefits.

  • There's a 3% foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

A basic credit card, the M&T Visa Credit Card has no annual fee. You can take advantage of a 0% introductory APR on purchases and balance transfers for the first 12 months. If you bank with M&T, you can link your credit card to a checking account for overdraft protection.

  • Issuer NameM&T Bank
  • Annual Fee$0
  • Regular APR14.74%-21.74% Variable APR
  • Penalty APR24.99% Variable
  • Balance Transfer Fee4% with a $10 minimum
  • Cash Advance Fee3% of each transaction (minimum $10)
  • Foreign Transaction Fee3%

Yes, if you:

  • Bank with M&T.
  • Need a 0% introductory APR on purchases and balance transfers for the first 12 months.
  • Prefer to avoid annual fees.

There's not much to the M&T Visa Credit Card, so you don't need to do much to make the most of using it. The best feature is the 0% introductory APR on purchases and balance transfers for the first 12 months, which you can use to save on interest. Whether you're transferring a balance or financing a large purchase, you should divide your balance by 12 to plan how much you need to pay each month to pay off the balance before interest charges apply. However, be aware that there's a balance transfer fee of 4% with a $10 minimum. There's also a 3% foreign transaction fee, so this card isn't good for traveling abroad.

If you're an M&T Bank customer, you can link a checking account to this card for overdraft protection.

Editor's Take

If you need a no-frills credit card with a 0% introductory APR or no annual fee, the M&T Visa Credit Card can fit the bill. It's especially helpful if you have an M&T Bank checking account and want to add this credit card as a backup for overdraft protection.

That said, this card doesn't offer much compared with many other credit cards, even cards with no annual fee. For example, Chase Freedom Unlimited® has no annual fee, earns rewards and has a 0% introductory APR offer on purchases and balance transfers.

Jessica MerrittContributor

There's no welcome offer with the M&T Visa Credit Card.

The M&T Visa Credit Card doesn't earn rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD REI Co-op Mastercard | Credit Cards | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

REI Co-op Mastercard®

Terms Apply

More Info

The information for the REI Co-op Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

REI Co-op Mastercard®

If you love to explore the great outdoors and shop at REI, you may also love the REI Co-op Mastercard®. It offers 5% back in REI rewards, with a $0 annual fee for REI Co-op members.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

5% Back on purchases at REI

Pros

  • Earns 5% back at REI, and all other purchases receive 1.5% back.

  • $0 annual fee and no foreign transaction fees.

  • Cardholders earn a $100 REI gift card after making a single purchase with the REI Co-op Mastercard within the first 60 days and a $50 REI Co-op Experience statement credit.

Cons

  • $0 annual fee, but there is a one-time $30 REI Co-op membership fee.

  • Rewards can only be redeemed with REI.

  • Lacks a cash sign-up bonus.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Frequent shoppers of outdoor gear retailer REI may find value in the REI Co-op Mastercard®. This card earns 5% back in REI rewards at REI stores and REI.com and 1.5% everywhere else.

Cardholders earn a $100 REI gift card after making a single purchase with the REI Co-op Mastercard within the first 60 days. You can also get a $50 annual statement credit when you use the card for an REI Co-op Experience, including classes and day trips with outdoor experts.

Though the card charges a $0 annual fee, it requires a one-time $30 REI Co-op membership fee. Plus, rewards can only be redeemed with REI, which makes this card best for loyal REI shoppers.

  • Issuer NameCapital One
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR19.24%, 26.24% or 30.24%
  • Penalty APRNone
  • Balance Transfer Fee3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance FeeConvenience Check Cash Advance: Either 3% of the amount of each advance or $5 minimum, whichever is greater Cash Advance ATM/Cash Advance: Either 4% of the amount of each advance or $5 minimum, whichever is greater Cash Equivalent Advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater

Yes, if you:

  • Frequently shop with REI and can benefit from REI rewards.
  • Want to avoid paying an annual fee.
  • Are an REI Co-op member or want to become one.

You can use the REI Co-op Mastercard® for REI purchases to earn rewards with a $0 annual fee. Cardholders earn a $100 REI gift card after making a single purchase with the REI Co-op Mastercard within the first 60 days, though it's not the best card to use for everyday purchases outside of REI.

This card is good not only for REI retail purchases but also REI Co-op Experiences. You'll get a $50 statement credit each year on REI Co-op Experience purchases.

Editor's Take

As a store card, the REI Co-op Mastercard® can offer a lot of value if you frequently make purchases with REI. You'll earn a tough-to-beat 5% back on REI purchases.Cardholders earn a $100 REI gift card after making a single purchase with the REI Co-op Mastercard within the first 60 days, and you get a $50 annual statement credit for REI Co-op Experiences.

The card's 1.5% back on all other purchases is impressive, but not the most you can earn on purchases outside of REI. You could use the REI Co-op Mastercard® for REI purchases and a different card, like the Citi Double Cash® Card, to earn more from other purchases. The Citi Double Cash® Card earns 2% cash back – 1% when you buy plus 1% as you pay. And you get your 2% as cash back, not rewards locked in with REI.

Jessica MerrittContributor

Cardholders earn a $100 REI gift card after making a single purchase with the REI Co-op Mastercard within the first 60 days, though you won't earn points or cash bonus from the REI Co-op Mastercard®.

With the REI Co-op Mastercard®, you'll earn 5% back on REI purchases and 1.5% back on all other purchases. Cardholders earn a $100 REI gift card after making a single purchase with the REI Co-op Mastercard within the first 60 days.

You can redeem REI rewards for REI retail purchases or REI adventure travel. Rewards don't expire as long as you keep the account open.

Best in Cash Back Credit Cards
Discover it® Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Cash Back

You likely can't get 5% back at REI any way other than using the REI Co-op Mastercard®, but consider Discover it® Cash Back if you'd like to broaden your 5% rewards options. You can use Discover it® Cash Back to earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Like the REI Co-op Mastercard®, Discover it® Cash Back charges a $0 annual fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD American Express Green Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

American Express® Green Card

Terms Apply

The information for the American Express® Green Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

American Express® Green Card

The American Express® Green Card is a rewards credit card aimed at people who dine out, travel and commute, but there is an annual fee.

Annual Fee

$150

Intro Offer

Spend $3,000 on purchases on your new card in the first six months to earn 40,000 bonus points

Pros

  • Cardholders receive travel benefits including no foreign transaction fee, car rental loss and damage insurance, baggage insurance and access to the Global Assist Hotline.

  • Cardholders get up to $189 back on CLEAR Plus membership, which can speed up airport security check-in.

  • If you want occasional airport lounge access, The American Express® Green Card provides up to $100 in statement credits for a LoungeBuddy membership.

Cons

  • The American Express® Green Card charges a $150 annual fee.

  • There is a 29.99% variable penalty APR that lasts at least six months if you make a late payment.

  • There is no introductory 0% APR offer on this card.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The American Express® Green Card is intended for those with good to excellent credit, offering bonus rewards on “travel and taste.” The membership rewards program offers three points per dollar on all eligible travel purchases, eligible purchases at restaurants worldwide and all eligible transit purchases. All other purchases earn one point per dollar. Although the annual fee for the American Express® Green Card is $150, the card charges no foreign transaction fee.

  • Issuer NameAmerican Express
  • Annual Fee$150
  • Regular APR21.24% to 29.24%
  • Penalty APR29.99% Variable

Yes, if you:

  • Frequently dine out, travel or use transit.
  • Don’t mind paying an annual fee.
  • Are interested in a CLEAR Plus membership and want to save.

The American Express® Green Card offers the best value for those who like to travel and dine out. Use the card in those categories to earn the bonus rewards, and consider having another card in your arsenal that earns cash back or bonus points in everyday categories such as groceries or gas. If you fly often, consider getting a CLEAR Plus membership with this card, and you’ll get back up to $189 per year.

Editor's Take

If you spend a good amount on dining and travel, the American Express® Green Card offers strong rewards rates in those categories. The card will cost you $150 annually, but you can offset that by taking advantage of the CLEAR Plus or LoungeBuddy statement credits.

Dawn PapandreaContributor

Spend $3,000 on purchases on your new card in the first six months to earn 40,000 bonus points.

Since you earn three points per dollar on all eligible travel purchases, eligible purchases at restaurants worldwide and all eligible transit purchases, you should use your American Express® Green Card when traveling and dining out.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

American Express® Gold Card

American Express® Gold Card
Rates and Fees

Terms Apply

Annual Fee
$325
Regular APR
See Pay Over Time APR
Intro Offer
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Best in Travel Credit Cards

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$95
Regular APR
19.99% - 29.49% (Variable)
Intro Offer
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Rewards
2X Miles per dollar on every purchase, every day.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is another popular rewards card for travelers, but it has a slightly lower annual fee of $95 and a different bonus category structure. Cardholders of the Chase Sapphire Preferred® Card can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening with the Chase Sapphire Preferred® Card's welcome offer.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi Simplicity Card Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi Simplicity® Card
Rates and Fees

Terms Apply

More Info

The information for the Citi Simplicity® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Citi Simplicity® Card

The Citi Simplicity® Card offers one of the longest introductory annual percentage rates available for balance transfers.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Pros

  • Comes with a 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening.

  • $0 annual fee.

  • No late fees or penalty rate.

Cons

  • No rewards program.

  • You'll pay a fee to transfer a balance.

  • Limited cardholder benefits.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

With the Citi Simplicity® Card, cardholders can take advantage of a 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that, there is a 18.49% to 29.24% (variable) APR based on your creditworthiness. Balance transfers must be completed within four months of opening the account.

There is a $0 annual fee, no late fees and no penalty rate. Cardholder benefits include free identity theft support.

  • Issuer NameCiti
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR18.49% - 29.24% (Variable)
  • Purchases Intro APR0% for 12 months on Purchases
  • Balance Transfer FeeThere is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee3%

Yes, if you:

  • Want to pay for a large purchase over time or pay down debt from another credit card without racking up interest.
  • Want a card with limited fees.
  • Aren't looking for a rewards credit card.

You can use your Citi Simplicity® Card to pay off purchases over time or transfer a high-interest balance to take advantage of the 0% introductory APR. You'll get 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. That gives you more than a year and a half to pay off balance transfers and can save you money on interest.

The Citi Simplicity® Card doesn't earn rewards. It also doesn't offer the consumer protection benefits some other cards do, such as purchase protection or extended warranties. However, it does offer 0% liability on unauthorized charges. Because this card lacks rewards or major consumer protections, we don't recommend it for most purchases unless you need to pay off a purchase interest free for a year.

The best way to use the Citi Simplicity® Card is to make a major purchase and pay it off interest free over 12 months, or transfer a balance from a high-interest card and pay off your balance within the lengthy 21 months on Balance Transfers.

Editor's Take

The Citi Simplicity® Card is ideal for paying off purchases or high-interest balances but not much else. Lacking rewards or major benefits, this card is best used to manage interest costs. It's also great if you want to avoid fees, as it has no annual fee, late fee or penalty rate.

If you want a more well-rounded card, you can consider alternatives that offer 0% introductory APR periods and earn rewards with no annual fee. For example, the Citi Double Cash® Card has an introductory APR of 0% for 18 months on Balance Transfers on balance transfers and earns 2% cash back – 1% when you buy plus 1% as you pay.

Jessica MerrittContributor

The Citi Simplicity® Card doesn't offer a sign-up bonus, but you can take advantage of the card's 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening.

The card doesn't earn rewards.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.49% - 28.24% (Variable)
Intro Offer
0% Intro APR for 21 months on balance transfers After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card
Rates and Fees

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 28.49% (Variable)
Intro Offer
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Rewards
10X Points on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

While the Citi Simplicity® Card is tough to beat if you're purely looking for interest savings, other cards may give you more long-term value with the option to earn rewards once you're done paying off your balance. For example, with the Citi Double Cash® Card, you can get an intro APR of 0% for 18 months on Balance Transfers on balance transfers. After that, the APR becomes 18.49% to 28.49% (variable) based on your creditworthiness. You can also earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Plus, cardholders earn unlimited 2% cash back – 1% when you buy plus 1% as you pay. Like the Citi Simplicity® Card, the Citi Double Cash® Card has a $0 annual fee. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD The Plum Card from American Express Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

The Plum Card® from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Plum Card® from American Express

This card offers small businesses flexibility and gives you money back when you pay your bill early.

Credit Needed

Excellent, Good

Annual Fee

$250‡

Intro Offer

Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.

Pros

  • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history..

  • Get 1.5% cash back when you pay in full within 10 days of your statement closing date.

  • Cardholder benefits can offer peace of mind when you travel and help you manage expenses.

Cons

  • No rewards program beyond 1.5% back for early payments.

  • There's a $250 annual fee.

  • You must pay your bill in full within 60 days to avoid fees.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Plum Card® from American Express is designed for small businesses. It offers free employee cards, does not have a preset spending limit and allows you to take up to 60 days to pay your monthly bill with no interest, as long as you make your minimum payment on time. If you pay within the first 10 days after your statement closes, you can earn 1.5% of your bill back on eligible charges. The Plum Card® from American Express has a $250 annual fee, but it offers travel protection and expense management benefits that businesses may find useful. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$250‡
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Want to issue cards to your employees with no additional fee.
  • Would benefit from 60-day payment periods.
  • Aren't looking for a rewards program.

Spending and payment flexibility is the greatest perk of The Plum Card® from American Express. There's no preset spending limit, and you can take up to 60 days to pay your monthly bill with no interest as long as you make your minimum payment. That could be helpful if you need to make a large purchase but need up to two months to pay for it. No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

When you're able to pay more promptly, The Plum Card® from American Express can reward you with a discount. You'll earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date.

The Plum Card® from American Express also offers card management tools that may be helpful for businesses with multiple employee cards. For example, you can give employee cards spending limits, freeze or unfreeze individual cards and get spending alerts.

Editor's Take

The Plum Card® from American Express is good for business owners who need flexible payment periods and control over employee spending. While it lacks a traditional rewards program, you can earn 1.5% back when you pay your bill within 10 days of your statement closing date. Or you can take up to 60 days to pay interest free as long as you make your minimum payment.

If you're looking for more rewards, The American Express Blue Business Cash™ Card offers cardholders the ability to earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. You can also earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. There's no annual fee. (See Rates & Fees)

Jessica MerrittContributor

The Plum Card® from American Express doesn't have a welcome offer.

Although The Plum Card® from American Express doesn't offer a rewards program, you can earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

Annual Fee
No annual fee
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards
2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

American Express® Business Gold Card

American Express® Business Gold Card
Rates and Fees

Terms Apply

Annual Fee
$375
Regular APR
18.74% - 27.74% Variable
Intro Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Rewards
4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card has no annual fee and cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. You can also earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

While The American Express Blue Business Cash™ Card doesn't have the no-preset spending limit offered by The Plum Card® from American Express, you can access expanded buying power that allows you to spend beyond your credit limit, based on your card use. The American Express Blue Business Cash™ Card also offers the same expense management tools as The Plum Card® from American Express.

The American Express Blue Business Cash™ Card doesn't give you 60 days to pay interest free as you can get with the The Plum Card® from American Express, but it does have a 0% on purchases for 12 months from date of account opening, 17.74% to 25.74% variable after that. (See Rates & Fees)

For rates and fees of The Plum Card® from American Express, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Slate Edge Credit Card℠ Review | US News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Chase Slate Edge® Credit Card
Rates and Fees

Terms Apply

More Info

The information for the Chase Slate Edge® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Chase Slate Edge® Credit Card

The Chase Slate Edge® Credit Card offers a mix of incentives to encourage regular spending and responsible debt management, but no traditional rewards program.

Annual Fee

$0

Intro Offer

Special welcome offer: Get an automatic review for a higher credit limit when you pay on time and spend $500 in your first six months.

Pros

  • When you pay your bill on time and spend at least $1,000 a year, you'll be considered for a cut to your interest rate of up to two percentage points annually.

  • New cardholders get a 0% introductory APR for the first 18 months on purchases and balance transfers.

  • You'll be considered for a credit limit increase if you meet the six-month $500 spending requirement and make your payments on time.

Cons

  • The Chase Slate Edge® Credit Card doesn’t have a traditional rewards program, so you won’t be able to earn cash back or travel rewards for your spending.

  • Depending on your initial APR, it can take a while to get it down to a competitive level.

  • There is a foreign transaction fee of 3% of each transaction in U.S. dollars.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Chase Slate Edge® Credit Card rewards cardholders who pay their bills on time, offering the chance of an increased credit limit after six months and at least $500 in spending, as well as a reduced interest rate – up to a two percentage-point reduction per year.

New account holders will also get a 0% introductory APR for the first 18 months on purchases and balance transfers. A variable APR of 19.99% to 28.74% applies to balance transfers and purchases after the introductory period ends. The card doesn't charge an annual fee.

  • Issuer NameChase
  • Annual Fee$0
  • Regular APR19.99% to 28.74%
  • Penalty APRNone
  • Balance Transfer Fee$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee3% of each transaction in U.S. dollars

Yes, if you:

  • Like the idea of earning a lower interest rate with good payment behavior.
  • Don't spend a lot but can meet the card's spending requirements.
  • Aren't interested in earning rewards on your everyday spending.

Because there are no rewards, there’s not much strategy to using this card other than practicing good credit habits: just pay your bill on time and try not to carry a large balance. Since those are the building blocks of strong credit, this card can be helpful if you need to build or rebuild credit. If you’re already a responsible credit user, you may want to choose another card that rewards you somehow.

Editor's Take

The Chase Slate Edge® Credit Card has no bells and whistles other than encouraging you to make small purchases and pay on time. The incentive is an increased credit limit and a lower APR. It’s a good practice card, in that if you build strong credit habits, you can eventually graduate to a rewards or cash back card that offers additional value.

Dawn PapandreaContributor

The Chase Slate Edge® Credit Card does not offer a sign-up bonus.

The card doesn't have a rewards program.

The information for the Citi Simplicity® Card and the BankAmericard® Credit Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Balance Transfer Credit Cards
Citi Simplicity® Card
Rates and Fees

Terms Apply

More Info
Read More

The information for the Citi Simplicity® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Citi Simplicity® Card

If you want to keep things simple, the Citi Simplicity® Card is another card to help you as you begin your credit journey. You'll get a 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. Neither card charges an annual fee, offers ongoing rewards or earns a sign-up bonus. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Commerce Bank Secured Visa Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Commerce Bank Secured Visa® Credit Card

Terms Apply

The information for the Commerce Bank Secured Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Commerce Bank Secured Visa® Credit Card

You can get a credit line up to $5,000, but this card has a $49 annual fee.

Credit Needed

Poor/Limited/No History

Annual Fee

$49

Pros

  • Get access to a credit line of $400 to $5,000 equal to your security deposit.

  • Build your credit history with reporting to all three credit bureaus and regularly access your credit score.

  • Earn interest on your security deposit held in a savings account.

Cons

  • You'll pay a $49 annual fee.

  • Other secured cards offer lower security deposit minimums.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Commerce Bank Secured Visa® Credit Card is a secured credit card designed to help people with bad or no credit establish, strengthen or rebuild credit. It requires a security deposit to open the account, which must be at least $400 but can be up to $5,000. Your deposit will be equal to your credit limit and earn interest in a savings account. Cardholders get free FICO® credit score access, credit reporting to all three bureaus and zero liability coverage for fraudulent activity. While this card offers access to credit, you'll pay a $49 annual fee.

  • Issuer NameCommerce Bank
  • Credit NeededPoor/Limited/No History
  • Annual Fee$49
  • Regular APR22.74% Varibale APR
  • Penalty APRNone
  • Foreign Transaction Fee1% of each transaction in U.S. dollars 2% of each transaction made in currencies other than U.S. dollars

Yes, if you:

  • Need to build or rebuild your credit history.
  • Want a credit line up to $5,000 and can make a matching security deposit.
  • Would like to earn interest on your credit card security deposit.

The Commerce Bank Secured Visa® Credit Card is designed to help you build or rebuild credit, so it's best when you use it this way. By making purchases within your budget and paying off your balance in full each month, you can build a positive credit history using this card. The security deposit also doubles as a savings account, earning interest while simultaneously setting your credit line amount. You can increase your credit line by adding more funds to your savings account in $100 increments.

If you pay for your monthly cellphone bill with the Commerce Bank Secured Visa® Credit Card, you'll receive cellphone protection and can get reimbursed up to $200 for a damaged or stolen phone.

Editor's Take

The Commerce Bank Secured Visa® Credit Card is good for short-term credit building. While it can give you access to credit and has the potential for a large credit line, the $49 annual fee isn't a great feature for your long-term credit health. This card can help you establish a positive payment history, but another part of good credit is the length of your credit history. If the Commerce Bank Secured Visa® Credit Card is your oldest credit card, you'll probably need to keep it open to maintain your credit history length – and pay $49 every year you hold on to the card. Other secured cards with no annual fee may be a better choice for long-term credit building.

Jessica MerrittContributor

There's no welcome offer for the Commerce Bank Secured Visa® Credit Card.

The Commerce Bank Secured Visa® Credit Card doesn't earn rewards.

Discover it® Secured Credit Card

Discover it® Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Rewards
1.5% Cash Back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees. See if you're approved in seconds
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

With no annual fee and a low minimum security deposit, the Capital One Platinum Secured Credit Card can be a good alternative to the Commerce Bank Secured Visa® Credit Card. You can put down a security deposit as low as $49 to get a $200 credit line. While the $200 credit line is lower than the $5,000 maximum credit line the Commerce Bank Secured Visa® Credit Card offers, the Capital One Platinum Secured Credit Card's security deposit as low as $49 is much more accessible than the minimum $400 required by the Commerce Bank Secured Visa® Credit Card. You can be considered for a higher credit line with the Capital One Platinum Secured Credit Card in as little as six months with no additional deposit needed. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PenFed Pathfinder® Rewards Visa Signature® Card 2024 review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PenFed Pathfinder® Rewards Visa Signature® Card
Rates and Fees

Terms Apply

The information for PenFed Pathfinder® Rewards Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

PenFed Pathfinder® Rewards Visa Signature® Card

The PenFed Pathfinder® Rewards Visa Signature® Card has good travel rewards and a generous sign-up bonus, plus an easy way to waive the annual fee.

Credit Needed

Excellent, Good

Annual Fee

$95

Intro Offer

Earn 50,000 bonus points when you spend $3,000 in the first 90 days of opening an account

Rewards Rate

4x points on all travel categories for PenFed Honors Advantage Members

Pros

  • Not only are bonus categories generous, but the base rate of 1.5 points per dollar is higher than the one point that most rewards cards offer.

  • The card comes with travel perks including a complimentary priority pass airport lounge membership and statement credit up to $100 for the Global Entry or TSA PreCheck application fee.

  • Honors Advantage membership – eligible for any military-affiliated cardholder or those who open and maintain a PenFed checking account – will save you on the annual fee and bump up the travel category rewards rate.

Cons

  • There’s a high spending threshold and a short time period of 90 days to earn the welcome bonus.

  • If you aren’t already a PenFed member, you must become a member when you’re approved for the card.

  • PenFed does not have any airline or hotel travel partners to transfer points.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The PenFed Pathfinder® Rewards Visa Signature® Card has solid rewards points and an excellent sign-up bonus. The card has a $95 annual fee, but it’s waived for PenFed Honors Advantage members.

Cardholders will earn three points for every dollar spent on travel purchases. Otherwise, the card earns 1.5 points on all other purchases. As a welcome offer, you can earn 50,000 bonus points if you spend $3,000 within the first 90 days of account opening. If you’re a PenFed Honors Advantage member, the travel purchase category is bumped up to four points per dollar.

There are no foreign transaction fees, and you’ll receive perks like a complimentary airport lounge membership and a statement credit up to $100 for the Global Entry or TSA PreCheck application fee. The card also offers a 12-month 0% introductory annual percentage rate for balance transfers.

  • Issuer NamePenFed
  • Credit NeededExcellent, Good
  • Annual Fee$95
  • Regular APR17.99% Variable APR
  • Penalty APR17.99% Variable APR
  • Purchases Intro APR17.99% Variable APR
  • Balance Transfer Fee3% per transaction
  • Cash Advance FeeNone
  • Foreign Transaction FeeNone

Yes, if you:

  • Are looking for a card with travel benefits. 
  • Do not need to transfer points to outside travel partners.
  • Already are or want to become a PenFed Honors Advantage member.

To really maximize the PenFed Pathfinder® Rewards Visa Signature® Card, it’s worth becoming an Honors Advantage member, as doing so turns it into a no-annual-fee card with better benefits. You’ll also score an extra point per dollar on travel purchases. From there, squeeze more value from the card by taking advantage of the priority pass airport lounge annual membership and the statement credit for up to $100 for the Global Entry or TSA PreCheck application fee.

You’ll also get a $100 domestic air ancillary travel credit, and trip delay reimbursement up to $300 per ticket, so it’s a good card to use for booking flights.

Editor's Take

This card has so much value in terms of bonus categories, a generous welcome offer and added travel benefits – and you can get it all for no fee as a PenFed Honors Advantage member. Even if you pay the annual fee, it’s still a good card, but with the fee waiver, it’s exceptional. The one downside is you can’t transfer PenFed points to travel programs, so you’re limited to the options within PenFed’s Reward Redemption Center.

Dawn PapandreaContributor

New cardholders can earn 50,000 bonus points by spending $3,000 within the first 90 days of account opening.

If you’re a PenFed Honors Advantage member, you’ll earn four points for every dollar spent on travel purchases. Nonmember cardholders will earn three points for every dollar spent on travel purchases. Otherwise, the card earns 1.5 points on all other purchases. You’ll earn 50,000 bonus points if you spend $3,000 within the first 90 days of account opening.

PenFed has no airline or hotel travel partners – instead, you’ll redeem your points through the PenFed rewards catalog. You can also redeem your points for gift cards, merchandise and experiences or donate them to charity. Note that rewards Pathfinder reward points expire five years after they are earned.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the more popular premium travel rewards cards on the market. It has a $95 annual fee, whereas the PenFed card waives the fee for its Honors Advantage members. Chase Sapphire Preferred® Card cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

The welcome offer on both cards is generous, but the Chase Sapphire Preferred® Card offers more points with a higher spending requirement: cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Both cards have a slew of travel perks and benefits, but for people who want the option of transferring points to travel partners, Chase would be the better choice. With the Chase Sapphire Preferred® Card, you can transfer points to over a dozen airline and hotel partners.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America BankAmericard Credit Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

BankAmericard® Credit Card

Terms Apply

More Info

The information for the BankAmericard® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

BankAmericard® Credit Card

The BankAmericard® Credit Card could be a good choice for consumers who want a 0% introductory annual percentage rate, but look elsewhere if you want a card with a rewards program.

Credit Needed

Excellent/Good

Annual Fee

$0

Pros

  • Offers a 0% introductory APR for 18 billing cycles on purchases and on balance transfers made within the first 60 days of opening your account.

  • Has no penalty APR.

  • Charges a $0 annual fee.

Cons

  • Doesn't offer a rewards program.

  • Charges a 3% foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The BankAmericard® Credit Card has a simple but valuable proposition for credit card holders: You'll get a 0% introductory APR for 18 billing cycles on purchases and on balance transfers made within the first 60 days of opening your account. After that, there is a 15.49% to 24.49% variable APR APR.

On the flip side, the card doesn't offer a rewards program, which means you may not be able to get a lot of value out of it after the introductory period ends. Other credit cards with 0% APR offers also come with solid rewards programs. Also, keep in mind that there is a balance transfer fee of 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

  • Issuer NameBank of America
  • Credit NeededExcellent/Good
  • Annual Fee$0
  • Regular APR15.49% to 24.49% variable APR
  • Penalty APRNone
  • Purchases Intro APR0% introductory APR for 18 billing cycles on purchases and on balance transfers made within the first 60 days of opening your account
  • Balance Transfer Fee3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • Cash Advance Fee4% of the amount of each transaction.
  • Foreign Transaction Fee3%

Yes, if you:

  • Need an introductory APR promotion.
  • Aren't concerned with earning rewards.
  • Want to avoid an annual fee.

Open a BankAmericard® Credit Card account if you have a balance on another card that you're having trouble paying down or if you have a large purchase you need to make and would like some time to pay it off interest-free. The 0% introductory APR for 18 billing cycles on purchases and on balance transfers made within the first 60 days of opening your account will help you make faster progress on those principal balances since you won't pay interest during the introductory period.

Since that's the only real benefit of this card, you could create your own payment plan by dividing your balance amount by 18 and making that payment each month to knock out the debt. You should plan to pay all or most of the balance off by the time the intro period ends to fully maximize the benefit.

Editor's Take

Cards with generous 0% APR offers can be a lifeline if you need a little bit of help paying off a purchase or existing debt, but only if you're disciplined about the payoff. The BankAmericard® Credit Card can be that lifeline since you'll have a year and half to pay it off, which is longer than most offers out there. But with no ongoing benefit beyond that period, the card's usefulness is temporary.

Dawn PapandreaContributor

This card does not have a welcome offer.

The BankAmericard® Credit Card does not have a rewards program. Cardholders who use the card to pay off a balance during the 0% APR period can save on interest charges.

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.49%, 23.99%, or 29.24% Variable APR
Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

Citi Custom Cash® Card

Citi Custom Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers 0% intro APR on purchases for 15 months, then a 19.74% to 28.49% variable APR, which is shorter than the BankAmericard® Credit Card. But it has solid ongoing rewards opportunities, plus a welcome offer. You'll get 1.5% cash back on all other purchases and a bonus 3% rate on dining and drug stores. You can even earn 5% by booking travel through the Chase Ultimate Rewards portal.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD IHG(R) Rewards Premier Business Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

IHG One Rewards Premier Business Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

IHG One Rewards Premier Business Credit Card

Business owners who frequently stay at IHG hotels can get elite status, reward nights and airline miles from this card.

Credit Needed

Good, Excellent

Annual Fee

$99

Intro Offer

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening

Rewards Rate

26X total points per $1 spent when you stay at an IHG hotel

Pros

  • Earns 26 points per dollar with IHG.

  • Offers Platinum Elite status with perks, including complimentary upgrades and late check-out.

  • Cardholders get a free anniversary night each year.

Cons

  • You’ll pay a $99 annual fee.

  • There’s no 0% introductory annual percentage rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The IHG One Rewards Premier Business Credit Card is a business travel card that earns solid rewards when you stay with IHG hotels and resorts and offers free nights and elite status. Though there’s a $99 annual fee, you can get more value than that with a free night on your card’s anniversary, status perks and rewards redemption.

You’ll earn earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases. Cardholders can also earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

Each year on your anniversary, you’ll get a free night. Cardholders also get a fourth reward night free whenever you redeem points for a consecutive four-night IHG stay. As a cardholder, you’ll have Platinum Elite status with IHG, which offers benefits including early check-in, a welcome amenity when you arrive, complimentary upgrades and late check-out.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$99
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Stay with IHG on business travel at least occasionally.
  • Can redeem the annual free night award.
  • Will pay your balance in full each month to avoid interest charges.

With IHG perks and rewards, this card is most valuable when you use it to stay with IHG. You can after spending $4,000 on purchases in the first 3 months from account opening, and you’ll earn 26 total points when you use your card for stays at IHG properties.

Take advantage of automatic Platinum Elite status benefits any time you stay with IHG, which include early check-in, late check-out and upgrades, all subject to availability. You should also use the expedited travel credit, which offers a statement credit of up to $120 every four years to reimburse application fees for Global Entry, TSA PreCheck or NEXUS.

Editor's Take

You’ll get good value from the IHG One Rewards Premier Business Credit Card if you stay at least one night per year at IHG properties. Though this card has a $99 annual fee, you’ll also get a free night on your account anniversary, so you could consider the fee as prepaying $99 for a hotel night each year – and then everything else is just icing on the cake. You can extract a lot of value from the Platinum Elite status perks, which can give you complimentary upgrades, early check-in and late check-out each time you stay at an IHG property where those benefits are available.

Jessica MerrittContributor

Cardholders of the IHG One Rewards Premier Business Credit Card after spending $4,000 on purchases in the first 3 months from account opening.

Maximize your rewards early on by planning to earn the IHG One Rewards Premier Business Credit Card’s 140,000-point sign-up bonus. Plan to after spending $4,000 on purchases in the first 3 months from account opening. Beyond that, you can earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.

You can redeem IHG points for free nights starting at 5,000 points per night, so the 140,000-point sign-up bonus could translate to 28 free nights with the right redemptions. Redemption options beyond free nights include events and experiences, gift cards, products, donations to nonprofits, digital subscriptions or airline miles with partner airlines.

IHG points expire if you don’t have any rewards activity within 12 consecutive months, so you’ll need to earn or redeem points with IHG at least once each year.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Ink Business Preferred® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Preferred® Credit Card

If you’d like to earn and redeem hotel rewards more flexibly, a general business travel card may be more valuable to you. For example, the Ink Business Preferred® Credit Card can offer more options in travel rewards earning and redemption. You can earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. You’ll earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. The points you earn with the Ink Business Preferred® Credit Card can be transferred to IHG and other participating travel programs.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Sandals Visa Signature Credit Card Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America Sandals Visa Signature® Credit Card

Terms Apply

The information for the Bank of America Sandals Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America Sandals Visa Signature® Credit Card

The Bank of America Sandals Visa Signature® Credit Card can reward you with Sandals Resort stays without an annual fee.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

3X Points per dollar on purchases at any Sandals & Beaches

Pros

  • Cardholders can earn four points per dollar on purchases at Sandals and Beaches resorts.

  • There's no annual fee or foreign transaction fee.

  • You'll earn 20,000 bonus points when you spend $1,000 in purchases within the first 90 days of opening the account.

Cons

  • Points expire after five years.

  • Limited benefits.

  • Potentially high APR after the introductory period ends.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America Sandals Visa Signature® Credit Card is a travel rewards card for Sandals Resorts guests. It earns four points per dollar on purchases at Sandals and Beaches resorts, two points per dollar on qualifying grocery store and dining purchases and one point per dollar on all other purchases.

There is no annual fee, and you'll get a 0% introductory annual percentage rate for the first seven months. After that, the APR is 19.24% to 29.24% variable APR based on your creditworthiness. When you make $1,000 in purchases within the first 90 days of opening the account you'll get 20,000 bonus points. This card comes with benefits that include zero liability for fraudulent purchases and no foreign transaction fees.

  • Issuer NameBank of America
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR19.24% to 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Purchases Intro APR0% introductory annual percentage rate for the first seven months
  • Balance Transfer Fee4% of each transaction
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction

Yes, if you:

  • Want to stay at Sandals or Beaches resorts.
  • Prefer to avoid an annual fee.
  • Want to use the 0% introductory annual percentage rate for the first seven months.

You can use the Bank of America Sandals Visa Signature® Credit Card to save money on your next Sandals or Beaches getaway. It's a good choice if you're booking a Sandals or Beaches vacation and want to take advantage of the card's 0% introductory annual percentage rate for the first seven months and earn rewards along the way. For example, you could book your vacation and pay it off at 0% interest, plus earn 20,000 bonus points when you spend $1,000 in purchases within the first 90 days of opening the account. Those 20,000 bonus points are worth $200 off your next vacation.

Just be sure you don't take too long to go on that beachside resort trip, as points expire five years after you've earned them.

Editor's Take

The Bank of America Sandals Visa Signature® Credit Card can save you money if you book travel with Sandals or Beaches resorts. Earning four points per dollar on purchases at Sandals and Beaches resorts, you'll save for your next vacation just by using this card when you stay at one of the resorts.

While co-branded cards tend to have limited redemption options, that's not the case with the Bank of America Sandals Visa Signature® Credit Card, which allows you to redeem your points for cash as a statement credit, check or deposit into a Bank of America or Merrill account. That's a helpful option if your points will soon expire and you can't use them for travel.

This card offers a 0% introductory annual percentage rate for the first seven months and great earning potential from Sandals and Beaches resorts with some flexibility in redemption. However, if you don't spend much at these resorts or need more flexibility in your rewards earning and redemption options, you might be better served with a different no-annual-fee travel credit card like Chase Freedom Unlimited®. With the Chase Freedom Unlimited®, you can earn 1.5% cash back on all other purchases and redeem rewards for travel outside of Sandals and Beaches.

Jessica MerrittContributor

New cardholders earn 20,000 bonus points after spending $1,000 in purchases within the first 90 days of opening the account.

You can maximize rewards with the Bank of America Sandals Visa Signature® Credit Card by earning four points per dollar on purchases at Sandals and Beaches resorts. You'll also earn two points per dollar on qualifying grocery store and dining purchases, plus one point per dollar on all other purchases.

Jump-start your points earning by taking advantage of the sign-up bonus. It offers 20,000 bonus points worth $200 when you spend $1,000 in purchases within the first 90 days of opening the account.

Hilton Honors American Express Card

Hilton Honors American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Rewards
7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Hilton Honors American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Hilton Honors American Express Card

If you're not particularly loyal to Sandals or Beaches resorts and want to earn hotel rewards with more flexibility and $0 annual fee, consider the Hilton Honors American Express Card.

Cardholders of the Hilton Honors American Express Card can earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

There are 20 Sandals and Beaches resorts across the Caribbean. Yet with more than 7,000 Hilton properties worldwide, Hilton Honors rewards offer you more options when it comes to redeeming your points for a stay. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Business Leverage™ Visa Signature® Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Business Leverage® Visa Signature® Card
Rates and Fees

Terms Apply

More Info

The information for the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

U.S. Bank Business Leverage® Visa Signature® Card

This rewards business card earns unlimited bonus rewards and has a strong welcome offer, but may not be as valuable as similar annual fee cards.

Credit Needed

Good/Excellent

Annual Fee

$0 annual fee for the first year, $95 thereafter

Rewards Rate

2% back in the top two categories where you spend the most each month automatically.

Pros

  • There are no foreign transaction fees and no annual fees on employee cards.

  • Rewards are not capped, so you can earn unlimited points.

  • There are 48 categories from which your top two categories can be determined each month.

Cons

  • There is an annual fee of $0 annual fee for the first year, $95 thereafter, though it’s waived the first year.

  • Some other cards earn a higher rewards rate on bonus categories.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank Business Leverage® Visa Signature® Card is designed for business owners who want to earn cash back on their top credit card spending categories. The card automatically adjusts your bonus rewards categories, earning 2% cash back in the two qualifying categories where your business spent the most each month. You can earn 5% back on prepaid hotels and car rentals booked in the U.S. Bank Travel Rewards Center. All other eligible net purchases earn 1% back. There are no caps or limits on the total points you can earn. Cardholder benefits include zero fraud liability coverage.

  • Issuer NameU.S. Bank
  • Credit NeededGood/Excellent
  • Annual Fee$0 annual fee for the first year, $95 thereafter
  • Regular APR19.49% to 26.49% Variable APR
  • Penalty APR29.99% APR
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither 5% of the amount of each advance or $10 minimum, whichever is greater.

Yes, if you:

  • Want to earn bonus rewards without having to track categories.
  • Will leverage the free employee cards and spend tracking tools.
  • Don’t mind paying an annual fee.

The main draw of the U.S. Bank Business Leverage® Visa Signature® Card is that you don’t have to put too much thought into maximizing your rewards. That said, you should try to earn the $750 welcome offer by spending $7,500 on eligible purchases within the first 120 days of opening your account. Also, take advantage of the free employee cards, which let you set spending limits and earn rewards on employee purchases.

Editor's Take

For business owners looking for a rewards credit card that doesn’t require any category tracking, the U.S. Bank Business Leverage® Visa Signature® Card can be a good option to explore. Are there business cards with more earning potential out there? Yes, but for its simplicity – and its generous welcome offer if you can do the required spending – the U.S. Bank Business Leverage® Visa Signature® Card is worth a look.

Dawn PapandreaContributor

New cardholders can earn $750 in rewards after spending $7,500 on eligible purchases within the first 120 days of opening your account.

You won't need to apply strategic spending in order to maximize rewards with the U.S. Bank Business Leverage® Visa Signature® Card, because the card earns 2% cash back in the two qualifying categories where your business spent the most each month. All other eligible net purchases earn 1% back.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is another card for business owners to consider with an annual fee of $0 intro for first year; $95 after that. Cardholders earn 2 Miles per $1 on every purchase, everywhere. That exceeds the 2% back in just the two top spending categories the U.S. Bank Business Leverage® Visa Signature® Card offers. The Capital One Spark Miles for Business welcome offer lets you earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening, which is less valuable than the U.S. Bank card’s generous $750 offer. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Wells Fargo One Key™ Card 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

One Key™ Card
Rates and Fees

Terms Apply

Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

One Key™ Card

Earn travel rewards and get status with Expedia, Hotels.com and Vrbo for no annual fee.

Credit Needed

Good to Excellent

Annual Fee

$0

Pros

  • You won't pay an annual fee.

  • You can earn rewards on qualifying hotel and short-term rental stays.

  • Cardholders earn OneKeyCash on qualifying purchases.

Cons

  • OneKeyCash can only be redeemed with Expedia, Hotels.com and Vrbo.

  • Rewards expire after 18 months of account inactivity.

  • Rewards aren't transferable, but you can book travel for others.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The One Key™ Card offers travel rewards, status and a sign-up bonus with no annual fee. You can earn 3% in OneKeyCash on purchases on Expedia, Hotels.com and Vrbo and at gas stations, grocery stores and for dining. All other purchases earn 1.5% in OneKeyCash. New cardholders can earn $300 in OneKeyCash after spending $1,000 within the first three months.

Cardholders get automatic One Key Silver status, which offers a 15% savings on eligible hotel bookings, priority traveler support and perks such as food and beverage extras at select VIP Access properties. When you spend $15,000 in a calendar year, you can earn Gold status, which offers all the Silver perks plus hotel savings of 20% or more, room upgrades when available at VIP Access properties and price drop protection on eligible flight bookings. There's no annual fee.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$0
  • Regular APR19.49%, 24.49%, or 29.49% Variable APR
  • Penalty APRNone
  • Balance Transfer Feeup to 5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction FeeNone
Apply Now

On Wells Fargo's Website.

Rates & Fees

Yes, if you:

  • Frequently book travel with Expedia, Hotels.com or Vrbo
  • Don't have loyalty to a hotel brand but want hotel perks
  • Want 0% financing on qualifying travel purchases

The One Key™ Card is most valuable when you use it to earn and redeem rewards with Expedia, Hotels.com and Vrbo. It earns 3% in OneKeyCash on purchases with those brands and offers at least 15% off on qualifying purchases with One Key Silver status.

Plan to spend at least $1,000 within the first three months of opening the card to earn $300 in OneKeyCash redeemable on Expedia, Hotels.com or Vrbo.

You can also take advantage of the card's financing option if you need to pay for a trip over time. You can set up a purchase plan to pay six equal payments with no interest on eligible purchases with Expedia, Hotels.com and Vrbo.

Editor's Take

If you frequently book with Expedia, Hotels.com or Vrbo, the One Key™ Card can be valuable. Offering travel discounts and rewards with no annual fee is a nice perk. On top of that, you can pay for qualifying travel expenses over time with six months interest free.

This card offers flexibility, allowing you to earn and redeem rewards within Expedia, Hotels.com or Vrbo, which spans multiple travel brands. You don't have to be tied to a particular airline or hotel brand to see benefits with this card. However, you might miss out on greater rewards and perks offered by other general travel rewards cards or co-branded cards that reward loyalty to a particular brand.

Jessica MerrittContributor

You can earn $300 in OneKeyCash if you spend $1,000 within the first three months.

The One Key™ Card earns 3% OneKeyCash on Expedia, Hotels.com and Vrbo purchases and at gas stations, grocery stores and on dining. All other purchases earn 1.5%. When you spend $1,000 within the first three months, you'll earn $300 in OneKeyCash.

The rewards program is flexible in that you can use OneKeyCash to book travel with Expedia, Hotels.com and Vrbo. That offers access to multiple travel brands. However, your rewards are stuck within the One Key program, so you can only use them for bookings with Expedia, Hotels.com or Vrbo. Rewards are not transferable to other people or programs and expire after 18 months of inactivity.

The information for the Priceline Rewards™ Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited offers travel rewards with no annual fee. You can earn 5% cash back on travel purchased through Chase Travel, 3% cash back on dining and drugstore purchases and 1.5% cash back on all other purchases. There's also a 15-month 0% introductory APR on purchases and balance transfers, then an APR of 19.74% to 28.49% variable.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Chase Sapphire Reserve Credit Card Review | U.S. News
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Chase Sapphire Reserve®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Reserve®

The Chase Sapphire Reserve® might be a good fit for frequent travelers who can use card benefits and rewards to compensate for its hefty annual fee.

Credit Needed

Excellent

Annual Fee

$550

Intro Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Rewards Rate

10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.

Pros

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • Offers bonus points for travel and dining.

  • Cardholders receive various travel perks and protections.

Cons

  • Carries an above-average APR.

  • Lacks an introductory APR on purchases or balance transfers.

  • Charges a $550 annual fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Chase Sapphire Reserve® is a premium travel card with a versatile rewards program and elite travel perks. The card offers bonus rewards for travel and dining, with redemption options that allow you to maximize the value of your rewards.

Get a head start on earning rewards with the card’s outsized sign-up bonus, and take advantage of several perks, including an annual travel credit, expedited airport security access credit, complimentary airport lounge access and various trip protections. Although the Chase Sapphire Reserve® has a steep $550 annual fee, frequent travelers may be able to compensate for the cost with travel rewards and benefits.

The Chase Sapphire Reserve® isn’t for everyone, though. The high annual fee can present an obstacle, particularly if you travel infrequently, make few purchases on credit cards or plan to carry a balance.

  • Issuer NameChase
  • Credit NeededExcellent
  • Annual Fee$550
  • Regular APR21.74% - 28.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Can maximize travel redemptions with Chase Travel℠ or transfer partners.
  • Don’t plan to carry a balance.
  • Can offset the $550 annual fee with rewards and benefits value.

To best take advantage of the Chase Sapphire Reserve® card’s sign-up bonus, plan to open this card when you’re ready to book your next big trip or make a large purchase. This will get you on your way to earning the 60,000 sign-up bonus, which you’ll receive after you spend $4,000 on purchases in the first 3 months from account opening. Be sure to use the card when dining out, as you earn three points per dollar on dining services.

A popular strategy for maximizing the rewards you earn with the Chase Sapphire Reserve® is pairing it with one of Chase’s no-annual-fee cards, especially one that earns bonus rewards in categories outside of dining and travel. Chase allows you to transfer points from Chase Travel℠ or transfer partners, which you can then redeem for 50% more value for travel booked through Chase with your Chase Sapphire Reserve® card or transfer to a travel partner.

The card has a higher-than-average APR and no introductory period, so try to avoid carrying a balance on the card.

Editor's Take

The Chase Sapphire Reserve® offers competitive earning rates for travel and dining purchases and valuable travel benefits, including a $300 annual travel credit and complimentary access to more than 1,300 airport lounges worldwide.

If you can avoid carrying a balance, spend enough on purchases in the first three months to meet the sign-up bonus and earn enough rewards to offset the $550 annual fee, the Chase Sapphire Reserve® is a good choice for frequent travelers.

If you don’t think you can earn enough rewards or use enough benefits to offset the card's annual fee, consider the Chase Sapphire Preferred® Card Card instead. With only a $95 annual fee, the Chase Sapphire Preferred® Card Card offers a similar sign-up bonus and rewards with a lower entry cost.

Austin ColeContributor

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The Chase Sapphire Reserve® delivers three points per dollar on travel immediately after earning your $300 travel credit and three points per dollar on dining purchases. All other purchases earn one point per dollar.

A lot of the card’s value is stored in travel benefits. If you don’t travel often, earning enough rewards each year to offset the annual fee will be tough. Booking your travel and dining expenses through Chase Travel is the best way to maximize rewards earning, as cardholders earn five points per dollar spent on airline bookings and 10 points per dollar spent on hotel accommodations with Chase Travel.

Accelerate your earnings in the first few months with the card’s 60,000-point sign-up bonus after you spend $4,000 on purchases in the first 3 months from account opening.

Points are worth 50% more when you redeem them for travel through Chase Travel℠. For example, 50,000 points are worth $500 when redeemed in cash, but $750 when used for travel purchases through Chase Travel℠. You also have the option to transfer points to Chase travel partners including JetBlue, Southwest Airlines and World of Hyatt, which may offer a higher redemption value than Chase Travel℠.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a good alternative selection to the Chase Sapphire Reserve®. While both cards offer the same sign-up bonus and similar ways to earn, the Chase Sapphire Preferred® Card lacks all of the benefits the Chase Sapphire Reserve® offers, but comes with a much cheaper annual fee of $95.

Chase Sapphire Preferred® Card cardholders earn two points per dollar spent on travel purchases and three points per dollar spent on dining. Points are worth 25% more when redeemed for travel using Chase Travel℠, compared to 50% more with the Chase Sapphire Reserve®. The Chase Sapphire Preferred® Card does not offer the $300 annual travel credit.

Despite lacking the same travel benefits and offering fewer points per dollar in some categories, the Chase Sapphire Preferred® Card is a versatile travel card better suited for the people who don’t travel as frequently.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Alliant Cashback Visa® Signature Card Review | US News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Alliant Cashback Visa® Signature Card

Terms Apply

The information for the Alliant Cashback Visa® Signature Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Alliant Cashback Visa® Signature Card

Earn 2.5% cash back on up to $10,000 in purchases each billing cycle with no annual fee.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

2.5% Cash back on every eligible purchase

Pros

  • Earn 2.5% cash back on up to $10,000 in purchases each billing cycle, then 1.5% cash back.

  • $0 annual fee.

  • You’ll get Visa Signature benefits.

Cons

  • There’s no 0% introductory APR on purchases or balance transfers.

  • You won’t earn a sign-up bonus with this card.

  • You must have a qualifying checking account to earn 2.5% cash back on up to $10,000 in purchases each billing cycle.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Alliant Cashback Visa® Signature Card is one of the highest-earning flat-rate rewards cards on the market. Eligible cardholders earn 2.5% cash back on up to $10,000 in purchases each billing cycle each billing cycle. After that, you’ll earn 1.5% cash back. However, you must open an Alliant high-rate checking account to earn the 2.5% cash back on up to $10,000 in purchases each billing cycle – otherwise, you’ll earn 1.5% cash back on all purchases. There’s no annual fee or foreign transaction fee.

The card also comes with Visa Signature benefits, including personal identity theft protection, purchase security, travel accident insurance, an auto rental collision damage waiver, roadside dispatch assistance and extended warranty protection.

  • Issuer NameAlliant Credit Union
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR12.24% to 22.24% Variable APR
  • Penalty APR25.24% Variable
  • Balance Transfer Fee3% of the amount of each transfer
  • Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater

Yes, if you:

  • Want to earn 2.5% cash back on up to $10,000 in purchases each billing cycle.
  • Don’t want to pay an annual fee.
  • Have or want to open an Alliant high-rate checking account.

The Alliant Cashback Visa® Signature Card doesn’t earn a sign-up bonus, but you’ll earn a solid 2.5% cash back on up to $10,000 in purchases each billing cycle. After that, all purchases earn a respectable 1.5% cash back. It’s a good idea to use this card for all purchases where it earns more cash back than other cards in your wallet. Still, the 2.5% cash back on up to $10,000 in purchases each billing cycle comes with an asterisk: You must have an Alliant high-rate checking account to earn the 2.5% rate, so you should plan to open an account if you don’t already have one.

Editor's Take

Earning 2.5% cash back on up to $10,000 in purchases each billing cycle is tough to beat, though you’ll have to maintain a qualifying checking account with an average daily balance of $1,000 or more to get this rate. Checking account holders must also have at least one deposit posted to the account each month. This card is a good fit if you want to earn a high cash back rate on most purchases and either have or would like to open a qualifying Alliant checking account.

Jessica MerrittContributor

There’s no sign-up bonus with the Alliant Cashback Visa® Signature Card.

You must have an Alliant high-rate checking account to earn 2.5% cash back on up to $10,000 in purchases each billing cycle, so if you don’t have an account yet, you should get one when you open this card. Otherwise, you’ll earn 1.5% cash back, which is still good, but not outstanding like the 2.5% cash back rate. You can redeem cash back as a credit card statement or deposit into your Alliant checking or savings account.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Custom Cash® Card

Citi Custom Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Another cash back card with a good flat rate, the Citi Double Cash® Card earns 2% on every purchase, earning 1% when you buy plus 1% as you pay it off. There’s no annual fee, and you’ll earn $200 cash back bonus after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Though the Citi Double Cash® Card doesn’t earn 2.5% cash back on up to $10,000 in purchases each billing cycle, you don’t have to use a qualifying Alliant checking account to earn 2% with the Citi Double Cash® Card. If you’re looking to pay down debt, the Citi Double Cash® Card also comes with an introductory APR of 0% for 18 months on Balance Transfers on balance transfers. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD British Airways Visa Signature Card from Chase | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

British Airways Visa Signature® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

British Airways Visa Signature® Card

Earn British Airways Avios rewards and get travel benefits with the British Airways Visa Signature® Card.

Credit Needed

Excellent, Good

Annual Fee

$95

Intro Offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Rewards Rate

3X Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL.

Pros

  • You can earn Avios with British Airways, its partners and on direct hotel bookings.

  • British Airways bookings are 10% off when you book using the British Airways Chase link.

  • Cardholders get benefits including up to $600 in annual flight statement credits, extended warranty coverage, purchase protection, lost luggage reimbursement and baggage delay insurance.

Cons

  • You’ll pay a $95 annual fee.

  • The card doesn’t come with airline status.

  • You won’t get trip cancellation or interruption coverage like some other travel cards offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The British Airways Visa Signature® Card gives travelers the flexibility to fly with multiple international airlines. The card offers rewards in the form of Avios, which are similar to points. Cardholders can earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. You can get 10% off British Airways flights originating in the U.S. when you book through the British Airways Chase link.

New cardholders can earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. Each year you spend at least $30,000 with the card, you’ll get a Travel Together flight ticket that’s good for two years.

There’s a $95 annual fee for this card, but you won’t pay a foreign transaction fee. Some of the cardholder benefits include up to $600 in annual flight statement credits, extended warranty coverage, purchase protection, lost luggage reimbursement and baggage delay insurance. So you can easily make up for the $95 annual fee.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$95
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Fly with British Airways and its partners.
  • Can earn the sign-up bonus after you spend $5,000 on purchases within the first three months of account opening.
  • Don’t mind paying a $95 annual fee.

The British Airways Visa Signature® Card offers the most value when you use it with British Airways and participating partner airlines. You’ll earn three Avios per dollar with British Airways, Aer Lingus, Iberia and LEVEL. This card also offers a 10% discount on British Airways flights originating in the U.S. when you use the British Airways Chase booking link.

You'll earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. Each year you spend at least $30,000 with the card, you’ll get a Travel Together flight ticket that’s good for two years.

Editor's Take

The British Airways Visa Signature® Card makes sense for frequent travelers who fly with British Airways. With discounts on British Airways flights, elevated earnings with British Airways and partner airlines and up to $600 annually in flight statement credits, you can get a lot of value out of this card if you use it to fly with British Airways. Although it doesn’t offer automatic status with British Airways, free bags or priority boarding, it does offer baggage delay insurance and reimbursement for lost luggage.

Jessica MerrittContributor

New cardholders of the British Airways Visa Signature® Card can earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Earning the sign-up bonus is the best way to start earning rewards with the British Airways Visa Signature® Card. You'll earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. Beyond that, you’ll earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

Avios can be redeemed flexibly with British Airways and its airline partners, offering reward flights to more than 900 destinations worldwide. You can book reward flights with British Airways and other oneworld Alliance partners.

Although you’ll need to pay taxes and fees on reward flights, the British Airways Visa Signature® Card offers up to $600 in statement credits each year when you book reward flights.

Avios expire after 36 months of inactivity, so you’ll need to take an eligible flight or use your card to earn Avios.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

If you need more flexibility in earning and redeeming travel rewards, the Chase Sapphire Preferred® Card could be a good fit. Cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening with the Chase Sapphire Preferred® Card's welcome offer. Chase Travel points can be redeemed for travel and more, including transfers to airline travel partners such as British Airways Executive Club.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Ink Business Preferred Credit Card | U.S. News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Ink Business Preferred® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Preferred® Credit Card

This card might be a good fit for business owners who spend a lot in the bonus categories and who plan to take advantage of benefits including phone protection and the versatility of the card's points.

Credit Needed

Excellent, Good

Annual Fee

$95

Intro Offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Rewards Rate

3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year

Pros

  • You can get free employee cards and set spending limits.

  • New cardholders can get a 90,000-point introductory bonus.

  • When using points to book travel through Chase, you’ll get 25% more value than cash back.

  • The card allows you to transfer points to various travel partners.

Cons

  • The card has a $95 annual fee.

  • There is a cap on bonus rewards that earn three points per dollar.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Ink Business Preferred® Credit Card gives business owners access to several benefits and a versatile credit card rewards program for a $95 annual fee. Some business-related expenses earn triple points, and cardholders can get a sign-up bonus worth $1,125 in travel through Chase Travel℠ or $900 in cash back. Benefits include trip cancellation and interruption insurance, roadside assistance and an auto rental collision damage waiver. The card offers purchase protection worth up to $10,000 per claim and extended warranty protection. When you pay your cellphone bill with this card, you and the employees listed on your bill receive cellphone protection worth $1,000 per claim.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$95
  • Regular APR20.49% - 26.49% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Are a business owner who spends a lot in the card's bonus categories.
  • Like the idea of maximizing rewards value through transfer partners.
  • Don't mind paying an annual fee.

Start by earning the large welcome offer on the Ink Business Preferred® Credit Card to give yourself a boost of points worth $1,125 when you use them for travel through Chase Travel℠. You can add employee cards to the account for no fee, and anything employees spend will add to your points balance as well. Use the card for purchases in the bonus categories and take advantage of additional travel benefits and consumer protections as needed.

Editor's Take

The Ink Business Preferred® Credit Card is a solid mid-tier business rewards card. For a $95 annual fee, you’ll earn three points per dollar in four bonus categories that are common business expenses. The 90,000-point welcome offer is one of the highest around, especially if you redeem your points for travel through Chase Travel℠. Businesses just starting or those that don’t do a lot of spending in the bonus categories might be better suited with a no-annual-fee card or one that earns cash back.

Dawn PapandreaContributor

Cardholders of the Ink Business Preferred® Credit Card can earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

With the Ink Business Preferred® Credit Card, you'll earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

With triple the rewards on bonus categories, the card could be a good choice for business owners who spend a lot in those areas. But larger firms that spend much more than $150,000 may consider the cap on bonus rewards a dealbreaker.

As a new card user, you can get a head start on your next business trip by earning 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Cardholders have many ways to redeem their rewards through the Chase Travel℠, but the value varies based on how those points are redeemed. For example, the 90,000-point sign-up bonus is worth $900 if you use your points for cash back or gift cards. The bonus is worth $1,125 if you use it to book travel through Chase or possibly more if you transfer your points to a travel partner.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

If you want a business credit card but don’t want to pay an annual fee, you can try the Ink Business Cash® Credit Card. However, you’ll earn cash back rather than points. Cardholders earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

You’ll get a less valuable welcome offer than on the Ink Business Preferred® Credit Card, but it’s still a pretty competitive one for a no-annual-fee card. With the Ink Business Cash® Credit Card, you can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Both cards offer benefits, including an auto rental collision damage waiver, roadside dispatch, purchase protection and extended warranty protection. But you won’t get cellphone protection or trip cancellation and interruption insurance on the Ink Business Cash® Credit Card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PNC CashBuilder Visa Credit Card | US News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PNC Cash Rewards® Visa® Credit Card

Terms Apply

The information for the PNC Cash Rewards® Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

PNC Cash Rewards® Visa® Credit Card

For moderate spending in popular everyday categories like gas and dining, the PNC Cash Rewards® Visa® Credit Card could be a good fit, but earnings are limited.

Annual Fee

$0

Intro Offer

Spend $1,000 or more in purchases during the first three billing cycles after you open your account, and you’ll earn a $200 bonus

Rewards Rate

4% Cash back on gas station purchases

Pros

  • If you use your card to pay your cell phone bill, you get cellphone protection up to $800 if your phone is stolen or damaged.

  • Cardholders get 0% introductory APR for the first 12 billing cycles on qualifying balance transfers made within 90 days of opening the account.

  • This card has no annual fee.

Cons

  • There is no introductory APR offer on purchases, only balance transfers.

  • This card charges a 3% foreign transaction fee.

  • Bonus category earnings are limited to the first $8,000 spent annually.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

With the PNC Cash Rewards® Visa® Credit Card, you'll earn 4% cash back on gas, 3% cash back on dining, 2% cash back on groceries and 1% cash back on all other purchases, but bonus earning rates are only valid on the first $8,000 in combined bonus category purchases each year. The card has no annual fee and a 0% introductory APR for the first 12 billing cycles on qualifying balance transfers made within 90 days of opening the account. After that, the APR on purchases and balance transfers is 19.24% to 30.24%.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR19.24% to 30.24%
  • Penalty APR28.99% Variable
  • Balance Transfer FeeIntro 3% (Min $5) for 90 days; then 4% (Min $5)
  • Cash Advance Fee5%, Min: $10
  • Foreign Transaction Fee3%

Yes, if you:

  • Spend a moderate amount on gas, dining and groceries.
  • Prefer a no-annual-fee cash back card.
  • Want cellphone protection.

Use your PNC Cash Rewards® Visa® Credit Card for any spending you do in the bonus categories of gas, dining and grocery store purchases. You can pair it with another card that has a higher base rate or bonus rewards on other types of purchases. If you will take advantage of the 0% APR balance transfer offer, be sure to do so in the first 90 days. If you miss that timing, you’ll miss the 0% APR promotion, and the balance transfer fee increases from 3% to 4%. Just be sure to pay off your balance before the 0% period expires and interest charges apply. The cellphone protection is a nice perk that isn’t offered on most cards with no annual fee, so it’s worth it to use this card to pay your cellphone bill and get the protection benefit.

Editor's Take

If your spending levels are low to moderate in this card’s bonus categories, it could be a lucrative rewards card for everyday spending. However, bigger spenders may reach the earnings cap before the year ends. If that’s the case, you may want to switch to another card at that point or seek a different rewards card with unlimited earnings.

Dawn PapandreaContributor

Spend $1,000 or more in purchases during the first three billing cycles after you open your account, and you’ll earn a $200 bonus.

The PNC Cash Rewards® Visa® Credit Card earns rewards on everyday purchases. You'll earn 4% cash back on gas, 3% cash back on dining, 2% cash back on groceries and 1% cash back on all other purchases. The bonus earning rates are valid on the first $8,000 spent in combined bonus category purchases each year.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Another cash back card with bonus categories is the Chase Freedom Unlimited® card. For the first year, you’ll earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year), which is worth up to $300 cash back. Cardholders can enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. Another feature of the Chase Freedom Unlimited® card is that you get 0% intro APR on balance transfers and purchases for 15 months, then an APR of 19.74% to 28.49% variable. Both cards have no annual fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Business Advantage Cash Rewards MasterCard Review | U.S. News
By U.S. News Staff
|
Updated: Wed Dec 11
By U.S. News Staff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Terms Apply

The information for the Bank of America® Business Advantage Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Credit Needed

Excellent Credit

Annual Fee

$0

Rewards Rate

3% Cash back on your choice of one of the following six categories

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Business Advantage Customized Cash Rewards Credit Card gives cardholders 3% cash back in a category of your choice, including gas stations, office supply stores, travel, TV, telecommunications and wireless services, computer services or business consulting services. The card offers 2% cash back on dining and 1% back on all other eligible purchases. The 3% and 2% cash back earnings are eligible on up to $50,000 in combined choice category and dining purchases each year (then 1%). The Bank of America® Business Advantage Customized Cash Rewards Credit Card has an annual fee of $0.

There is a 0% APR for the first nine billing cycles on purchases. After that, the card has a 17.74% to 27.74% variable APR.

Potentially low APR: This card offers a 17.74% to 27.74% variable APR.

Sign-up bonus: The Bank of America® Business Advantage Customized Cash Rewards Credit Card offers new cardholders a $300 statement credit when you spend $3,000 in net purchases within 90 days of opening an account.

Introductory APR for purchases: Bank of America® Business Advantage Customized Cash Rewards Credit Card holders can take advantage of a 0% APR introductory period for nine billing cycles on purchases. After that, there is a 17.74% to 27.74% variable APR.

Foreign transaction fee: The Bank of America® Business Advantage Customized Cash Rewards Credit Card charges 3% of the U.S. dollar amount of each transaction when making purchases or withdrawing cash using the card abroad.

Balance transfer fee: The Bank of America® Business Advantage Customized Cash Rewards Credit Card charges 4% of each transaction. Many rewards cards charge a 3% fee for balance transfers with a $5 minimum fee.

  • Issuer NameBank of America
  • Credit NeededExcellent Credit
  • Annual Fee$0
  • Regular APR17.74% - 27.74% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee4% of each transaction
  • Cash Advance Fee4% of the amount of each transaction.
  • Foreign Transaction Fee3% of the U.S. dollar amount of each transaction

The Bank of America® Business Advantage Customized Cash Rewards Credit Card gives you access to a wide variety of useful benefits, including:

  • Travel accident insurance
  • Auto rental insurance
  • Emergency ticket replacement
  • Lost luggage assistance
  • Optional extended warranty protection

The Bank of America® Business Advantage Customized Cash Rewards Credit Card offers 3% cash back in a category of your choice, including gas stations, office supply stores, travel, TV, telecommunications and wireless services, computer services or business consulting services. You'll earn 2% cash back on dining and 1% back on all other eligible purchases. The 3% and 2% cash back earnings are eligible on up to $50,000 in combined choice category and dining purchases each year (then 1%). New cardholders can earn a $300 statement credit sign-up bonus after making $3,000 in net purchases within 90 days of opening an account.

Bank of America® Business Advantage Customized Cash Rewards Credit Card vs. Ink Business Cash® Credit Card

Annual fee: Neither card charges an annual fee.

Rewards: The Bank of America® Business Advantage Customized Cash Rewards Credit Card earns 3% cash back in a category of your choice, including gas stations, office supply stores, travel, TV, telecommunications and wireless services, computer services or business consulting services. You'll earn 2% cash back on dining and 1% back on all other eligible purchases. The 3% and 2% cash back earnings are eligible on up to $50,000 in combined choice category and dining purchases each year (then 1%). With the Ink Business Cash® Credit Card, you earn 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone purchases each account anniversary year. The card earns 2% cash back on the first $25,000 in annual purchases at gas stations and restaurants, and one point per dollar for all other purchases.

Sign-up bonus: The Bank of America® Business Advantage Customized Cash Rewards Credit Card gives new cardholders the opportunity to earn a $300 statement credit sign-up bonus by making $3,000 in net purchases within 90 days of opening an account. With the Ink Business Cash® Credit Card new cardholders can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Benefits: With the Bank of America® Business Advantage Customized Cash Rewards Credit Card, you have access to numerous benefits, including travel accident insurance, auto rental insurance, emergency ticket replacement, lost luggage assistance and optional extended protection coverage. The Ink Business Cash® Credit Card provides cardholders with benefits including purchase protection, extended warranty coverage, an auto rental collision damage waiver, and travel and emergency assistance services.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Savor Student Cash Rewards Credit Card 2024 Review | U.S. News
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Savor Student Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Savor Student Cash Rewards Credit Card

Students can build their credit and earn 3% cash back on several everyday purchase categories and 1% cash back outside of the card’s bonus categories.

Credit Needed

Average, Fair, Limited

Annual Fee

$0

Intro Offer

Earn $50 Cash Back when you spend $100 in the first three months

Rewards Rate

8% Cash Back on Capital One Entertainment purchases.

Pros

  • You can earn unlimited 3% cash back on dining, entertainment, and eligible groceries.

  • Pay no annual fee or foreign transaction fee.

  • New cardholders earn $50 Cash Back when you spend $100 in the first three months.

Cons

  • You’ll earn just 1% cash back on purchases outside of the bonus categories.

  • There’s no introductory APR for new cardholders.

  • The card charges a relatively high APR on purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Savor Student Cash Rewards Credit Card offers an excellent opportunity to rack up unlimited 3% cash back on dining, entertainment, eligible groceries (excluding superstores like Walmart and Target) and popular streaming services. However, with a base rewards rate of 1%, the card will be less attractive to college students who don't spend a lot in the card's bonus categories. (See Rates & Fees)

  • Issuer NameCapital One
  • Credit NeededAverage, Fair, Limited
  • Annual Fee$0
  • Regular APR19.49% - 29.49% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Spend a lot on dining, entertainment, streaming or groceries.
  • Want to start building your credit history in college.
  • Plan to study abroad and want to avoid foreign transaction fees.

In addition to the 3% cash back you earn in the Capital One Savor Student Cash Rewards Credit Card’s bonus categories, you can also earn 8% cash back on entertainment purchases booked through Capital One Entertainment and 5% cash back on hotels and rental cars booked through Capital One Travel.

You must be an enrolled student or planning to enroll in the next three months to qualify for the card, but once you’ve graduated, the card stays with you, and the benefits and rewards remain the same.

Although there may be cards that offer better benefits or rewards, it may be a good idea to keep the Capital One Savor Student Cash Rewards Credit Card after you graduate to continue building your credit and take advantage of the card’s bonus categories.

Editor's Take

The Capital One Savor Student Cash Rewards Credit Card is a great choice if you’re a student who wants to build credit and earn rewards on dining, entertainment, streaming and groceries. The card’s 3% bonus categories with the ability to earn unlimited cash back is unusual in a student card. Even a card like the Discover it® Student Cash Back card, which offers 5% cash back on certain categories, has a quarterly limit on the amount of cash back you can earn. There's no minimum spending or maximum rewards. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

As a student looking to build credit, it may not be the best idea to open multiple cards just to maximize the rewards you earn. Pick one card that best aligns with your spending habits and try to pay off your balance each month. Particularly with the Capital One Savor Student Cash Rewards Credit Card’s high APR on purchases, do your best not to carry a balance.

Austin ColeContributor

Earn $50 Cash Back when you spend $100 in the first three months.

The card offers unlimited 3% cash back on dining, entertainment, popular streaming services and eligible grocery purchases (excluding superstores like Walmart and Target). Whether you're dining out, buying tickets to a concert or getting groceries, make sure to use this card to take advantage of the bonus rewards. You can earn even more cash back by booking travel or entertainment through Capital One Travel.

Also, you can set up your automatic payments on streaming services with this card to make sure you earn 3% back on eligible subscriptions.

Your rewards don’t expire for the life of your account and can be redeemed for cash, to cover a recent purchase or as a gift card.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Student Credit Cards
Capital One Quicksilver Student Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Student Cash Rewards Credit Card

The Capital One Quicksilver Student Cash Rewards Credit Card offers 1.5% Cash Back on every purchase, every day. All of the other perks and rewards of the cards are the same as the Capital One Savor Student Cash Rewards Credit Card. (See Rates & Fees)

If you don’t frequently spend in the Capital One Savor Student Cash Rewards Credit Card’s bonus categories, the Capital One Quicksilver Student Cash Rewards Credit Card may be a better option for earning unlimited rewards.

For rates and fees of the Capital One Savor Student Cash Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi / AAdvantage Platinum Select World Elite Mastercard Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Terms Apply

More Info

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

This card is a solid choice for those who frequently fly with American Airlines looking to earn miles on everyday purchases.

Credit Needed

Excellent, Good

Annual Fee

$99, which is waived for the first year

Intro Offer

For a limited time earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening.

Rewards Rate

2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.

Pros

  • Generous sign-up bonus.

  • Annual fee is waived for the first year.

  • First bag checked free for you and up to four travel companions on American Airlines domestic flights.

Cons

  • Annual fee after the first year.

  • Miles must be redeemed with American Airlines.

  • High APR with no 0% introductory period.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® earns 2 miles for every dollar spent at restaurants, gas stations and on all eligible purchases with American Airlines and 1 mile per dollar for all other purchases. New cardholders can earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in the first three months of opening the account. The annual fee is $99, which is waived for the first year.

  • Issuer NameCiti
  • Credit NeededExcellent, Good
  • Annual Fee$99, which is waived for the first year
  • Regular APR20.49% - 29.49% (Variable)
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Balance Transfer FeeBalance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee0%

Yes, if you:

  • Frequently fly with American Airlines.
  • Will spend enough to meet the sign-up bonus. 
  • Won’t carry a balance.

Since the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers 50,000 American Airlines AAdvantage® bonus miles for spending $2,500 in the first three months of opening the account, it makes sense to open this card when you book a trip with American Airlines. Using your new card to purchase your next flight on American Airlines will earn you 2 miles per dollar spent and help you chip away at the $2,500 you need to spend to earn the sign-up bonus. Also, keep in mind this card has a high variable annual percentage rate and comes with no 0% introductory period, so try not to carry a balance on the card.

In addition to the miles you earn while using the card, you earn loyalty points. You’ll earn one loyalty point for every mile earned from purchases. Earn enough loyalty points to get AAdvantage® status, which unlocks premium cabin upgrades, same-day standby priority and complimentary access to main cabin extra and preferred seats.

Editor's Take

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good option for American Airlines loyalists who can take advantage of the card’s benefits. The complimentary first checked bag for you and up to four guests on domestic American Airlines flights is worth the annual fee on its own, and no foreign transaction fee makes this card a good one to have in your wallet for international travel.

However, if you usually fly with other airlines besides American Airlines or their partners, you may find more value in a general travel card. The Chase Sapphire Preferred® Card offers bonus rewards in several frequent spending categories and points can be redeemed for travel including airfare with various airlines through Chase Travel.

Austin ColeContributor

New cardholders can earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in the first three months of opening the account. Also, the $99, which is waived for the first year annual fee is waived for the first year.

Frequent travel on American Airlines is the best way to maximize your rewards with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. It earns 2 miles for every dollar spent at restaurants, gas stations and on all eligible purchases with American Airlines and 1 mile per dollar for all other purchases. The card offers a 50,000-mile sign-up bonus after making $2,500 in the first three months of opening the account, so plan to spend enough to earn the sign-up bonus.

Miles can be redeemed for travel on American Airlines and their partner airlines, or for a seat upgrade, Admirals Club® access, car rentals, hotels or vacations.

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®
Rates and Fees

Terms Apply

Annual Fee
$595
Regular APR
20.49% - 29.49% (Variable)
Intro Offer
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Rewards
1X Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

Terms Apply

Annual Fee
$69
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Rewards
2X points on Southwest® purchases.
Apply Now

On Chase's Website.

Terms Apply

Best in Airline and Rewards Credit Cards

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Rewards
2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers new cardholders 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You’ll enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Points are worth 25% more when used to book travel through Chase Travel.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PNC BusinessOptions Visa Signature Credit Card 2024 Review | US News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PNC BusinessOptions® Visa Signature® Credit Card

Terms Apply

The information for the PNC BusinessOptions® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

PNC BusinessOptions® Visa Signature® Credit Card

This no-annual-fee card is all about providing business owners with options, but you could earn higher rewards on similar cards.

Credit Needed

Good/Excellent

Annual Fee

$500

Pros

  • With the PNC BusinessOptions® Visa Signature® Credit Card, you’ll choose among three options for earning rewards: cash rebates, PNC points or travel rewards.

  • There’s no annual fee or foreign transaction fee on this card.

  • The card accommodates different business needs, with a spending limit of up to $250,000 for the pay-in-full option and up to $50,000 for the revolve option.

Cons

  • The PNC BusinessOptions® Visa Signature® Credit Card does not offer an introductory annual percentage rate on purchases or balance transfers.

  • There’s a penalty APR of 34.24% variable.

  • You can’t apply for the card online; you have to set up a call with a representative.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The PNC BusinessOptions® Visa Signature® Credit Card is a business rewards credit card. You can opt for one of three rewards options: cash rebates, PNC points or travel rewards. The card also lets you choose between a pay-in-full option with a spending limit of up to $250,000 or a revolve option with a spending limit of up to $50,000. If you spend $25,000 in qualifying purchases during the first three billing cycles following account opening, you will earn a $750 statement credit.

Cardholder benefits include an auto rental collision damage waiver, roadside dispatch, purchase security, extended warranty protection, lost luggage reimbursement, emergency card replacement, emergency cash disbursement, travel accident insurance, travel and emergency assistance services, and concierge service.

  • Issuer NamePNC
  • Credit NeededGood/Excellent
  • Annual Fee$500
  • Regular APR15.74% – 21.74% Variable APR
  • Penalty APR34.24% Variable
  • Balance Transfer Fee$5 or 3% of the amount of each balance transfer, whichever is greater
  • Cash Advance FeeEither $10 or 4% of the amount of each cash advance, whichever is greater; $75 maximum

Yes, if you:

  • Want a credit line and rewards options.
  • Want the ability to set individual employee spending controls.  
  • Don’t want to pay an annual fee.

This card is aimed at business owners with a fairly high spending volume, when you consider the welcome offer requires spending $25,000 in qualifying purchases during the first three billing cycles. But you’ll have to be mindful of your credit line and ability to repay because there are consequences for paying late or spending above your limit, including late fees, penalty APR and over-limit fees. As for choosing your rewards, keep in mind that redemption values may vary for points and travel. Therefore, the most straightforward choice is 1.5% cash back (with revolving credit).

Editor's Take

The PNC BusinessOptions® Visa Signature® Credit Card has a lot of options – but maybe too many – for business owners. First, you’ll need to decide if you want to earn cash, points or travel rewards. Then, you’ll have to decide whether you want to pay in full with a higher credit limit or revolve a balance but with a lower credit limit.

It has some excellent tools for managing employee expenses and travel benefits. But chances are, if you already know your preferences, you may be able to find other business cards with higher earnings, easier-to-earn welcome offers and specific benefits aligned with your needs.

Dawn PapandreaContributor

If you spend $25,000 in qualifying purchases during the first three billing cycles, you will earn a $750 statement credit.

The PNC BusinessOptions® Visa Signature® Credit Card offers three options for earning rewards: cash rebates, PNC points or travel rewards. You should consider your business spending and how you prefer to redeem rewards when choosing which rewards program you’d like to use. Cash rewards cardholders on the revolving payment option will earn 1.5% cash back. Pay-in-full option cash rewards cardholders earn 1% cash back. Cardholders with the PNC points program earn five points per dollar on all purchases. With travel rewards, you will earn 1 mile per dollar on all purchases.

The information for the Capital One® Spark® Cash Select for Business has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
The Blue Business® Plus Credit Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is a no-annual-fee business card with bonus earnings on a good chunk of your business spending, and it’s simple to use. You’ll earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. New cardholders earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership, but that’s much lower in value than the $750 statement credit you can earn on the PNC card. However, with the The Blue Business® Plus Credit Card from American Express you’ll also get an introductory APR of 0% on purchases for 12 months from date of account opening. After that, a 17.74% to 25.74% variable APR applies. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Marriott Bonvoy Brilliant™ American Express® Card Review | US News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Marriott Bonvoy Brilliant® American Express® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card is useful for Marriott loyalists, but the high annual fee may be a barrier for infrequent travelers.

Credit Needed

Good, Excellent

Annual Fee

$650

Intro Offer

Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Rewards Rate

6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®

Pros

  • New cardholders can earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

  • You’ll get extensive travel benefits, including Marriott Bonvoy Platinum Elite Status, a credit for TSA PreCheck or Global Entry fees and on-property credits at qualifying Marriott hotels and resorts.

  • Each year, you’ll get a free night award and up to $300 in statement credits for restaurant purchases.

Cons

  • You’ll pay a $650 annual fee to use this card.

  • The card is only worth the fee if you frequently stay with Marriott.

  • Point redemption is limited to Marriott Bonvoy hotel stays and flights with airline partners.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Designed for travelers who frequently stay at Marriott Bonvoy hotels, the Marriott Bonvoy Brilliant® American Express® Card has a $650 annual fee. In return, it offers a solid rewards program, a large welcome offer and a long list of cardholder benefits. Cardholders of the Marriott Bonvoy Brilliant® American Express® Card earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card. (See Rates & Fees)

Marriott Bonvoy points can be redeemed for free nights at over 7,000 participating hotels. Points can also be transferred to over 40 travel program partners to book flights.

New cardholders can earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Cardholder benefits include one free hotel night every year after your card renewal month, a $300 annual dining statement credit, Priority Pass Select membership for airport lounge access, travel protections and a $85 credit for TSA PreCheck or $120 credit for Global Entry fees. You’ll get Marriott Bonvoy Platinum Elite Status and up to a $100 credit for charges at The Ritz-Carlton or St. Regis on qualifying stays.

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$650
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Stay frequently at Marriott Bonvoy hotels.
  • Can spend enough in the first six months to take advantage of the large welcome offer.
  • Make frequent foreign transactions on international purchases.

Plan to make the most of your Marriott Bonvoy Brilliant® American Express® Card’s rewards and benefits so you can offset the $650 annual fee. First, plan to earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership, and use the card any time you stay with Marriott to earn six points per dollar. (See Rates & Fees)

Each month, you’ll get up to $25 in statement credits for eligible restaurant purchases, and each year you’ll get a free night reward to use at a participating Marriott hotel or resort. When you stay at The Ritz-Carlton or St. Regis, you’ll get up to $100 as a property credit for qualifying stays.

When you travel by air, you can also take advantage of a credit for TSA PreCheck or Global Entry fees and Priority Pass Select membership, which grants access to more than 1,200 airport lounges worldwide.

Editor's Take

The Marriott Bonvoy Brilliant® American Express® Card can be valuable for travelers who frequently stay at Marriott properties, but only if you can make the most of the card’s rewards and benefits to offset the card’s $650 annual fee.

If you want Marriott rewards with a lower annual fee, consider the Marriott Bonvoy Bevy™ American Express® Card, which has a $250 annual fee and a welcome bonus and points-earning options similar to the Marriott Bonvoy Brilliant® American Express® Card.

Dawn PapandreaContributor

New cardholders earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

You’ll get the most value from the Marriott Bonvoy Brilliant® American Express® Card when you use it to earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card. New cardholders can earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

When dining out, make sure to use this card to get the $25 monthly restaurant credit. Travel should also be booked with this card to receive car rental loss and damage insurance, baggage insurance and trip cancelation and delay insurance.

Marriott Bonvoy Bevy™ American Express® Card

Marriott Bonvoy Bevy™ American Express® Card
Rates and Fees

Terms Apply

Annual Fee
$250
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Rewards
6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card
Rates and Fees

Terms Apply

Annual Fee
$550
Regular APR
20.99% to 29.99% variable
Intro Offer
Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
Read More

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

The Platinum Card® from American Express

The Platinum Card® from American Express
Rates and Fees

Terms Apply

Annual Fee
$695
Regular APR
See Pay Over Time APR
Intro Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Marriott Bonvoy Bevy™ American Express® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Marriott Bonvoy Bevy™ American Express® Card

If you’re not sure you’ll get the full value of the Marriott Bonvoy Brilliant® American Express® Card’s $650 annual fee, the Marriott Bonvoy Bevy™ American Express® Card might be a better fit. It has a $250 annual fee and cardholders can earn 85,000 Marriott Bonvoy bonus after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Marriott Bonvoy purchases earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2x points). Earn 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card. (See Rates & Fees)

While you won’t get an automatic free night reward each year like the Marriott Bonvoy Brilliant® American Express® Card offers, the Marriott Bonvoy Bevy™ American Express® Card earns a free night award once you’ve spent $15,000 on your card in a calendar year.

For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Iberia Visa Signature Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Tue Nov 12
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Tue Nov 12, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Iberia Visa Signature® Card

Terms Apply

More Info

The information for the Iberia Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Iberia Visa Signature® Card

This card offers Iberia Air travelers perks and points for flights and hotel purchases, but lacks cash back redemption and charges a $95 annual fee.

Credit Needed

Good/Excellent

Annual Fee

$95

Intro Offer

Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Rewards Rate

3X Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL.

Pros

  • The card doesn't charge any foreign transaction fees.

  • Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card.

  • The card comes with baggage delay insurance, lost luggage reimbursement, purchase protection and an extended warranty.

Cons

  • You can generally only redeem Avios earned with your card through Iberia's loyalty program, which includes Iberia and partners but doesn't include cash back.

  • You'll pay a $95 annual fee for this card.

  • Cardholders don't get airline-specific perks like some other airline card programs, such as free checked bags or in-flight discounts.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Iberia Visa Signature® Card is designed for travelers who want to earn points for travel purchases and use the card's perks.

Cardholders of the Iberia Visa Signature® Card can earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

There is also a sign-up bonus: You'll earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

  • Issuer NameChase
  • Credit NeededGood/Excellent
  • Annual Fee$95
  • Regular APR20.99% - 27.99% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

Yes, if you:

  • Don't mind paying an annual fee. 
  • Want to save 10% on Iberia flights.
  • Can earn the huge sign-up bonus.

Don't sleep on the Iberia Visa Signature® Card's welcome offer, discount voucher (if you spend $30,000 in a year) and travel benefits. These features provide a lot of value and more than justify the card's annual fee.

Editor's Take

If you don't want to be tied into using all of your rewards for Iberia flights, one thing to keep in mind is that both Chase Travel and American Express Membership Points transfer to Iberia Plus. For a similar fee on those cards, you'll have more redemption options and potentially more benefits, depending on the card you choose.

Dawn PapandreaContributor

Cardholders can earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

With an Iberia Visa Signature® Card, you can maximize rewards by earning the 85,000-point sign-up bonus after you spend $5,000 on purchases within the first three months of account opening. If you spend $30,000 in a year, you'll receive a $1,000 airfare discount voucher to use toward two tickets on the same flight.

Cardholders earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

You'll need to join Iberia Plus, the Spanish carrier's free customer loyalty program, to redeem points and be recognized with Iberia Plus' Elite Points. As long as you earn, redeem, purchase or transfer Avios once every 36 months, your points will not expire.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a general travel rewards card that has a $95 annual fee but lots of earning potential and perks for avid travelers. It earns Chase Travel points, which can transfer to Iberia Plus (and several other partners) 1:1. However, cardholders get a couple of extra bonus categories that are not covered on the Iberia Visa Signature® Card.

Cardholders of the Chase Sapphire Preferred® Card can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening with the Chase Sapphire Preferred® Card's welcome offer. That's comparable to the welcome offer on the Iberia Visa Signature® Card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Delta Reserve Credit Card from American Express Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Delta SkyMiles® Reserve American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Reserve American Express Card

This card offers Delta Air Lines rewards and major perks including lounge access, checked bags and priority boarding.

Credit Needed

Excellent, Good

Annual Fee

$650

Intro Offer

Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

3X Miles on Delta purchases

Pros

  • Generous earn 70,000 Bonus Miles-mile welcome offer.

  • Cardholders earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.

  • Valuable travel benefits, including free checked bags, lounge access and priority boarding and 20% off eligible in-flight purchases in the form of a statement credit.

  • Cardholders get a companion certificate for a free domestic main cabin round-trip flight each year upon renewal.

  • Receive $2,500 Medallion Qualification Dollars at the beginning of each year and an additional $1 MQD for every $10 spent.

Cons

  • $650 annual fee.

  • Poor rewards rate on non-Delta purchases.

  • Limited redemption options.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Delta SkyMiles® Reserve American Express Card is an airline co-branded travel rewards card. With this card, you will earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases. New cardholders can earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

This card comes with exceptional benefits, including Delta Sky Club access, a free checked bag on Delta flights, priority boarding, in-flight savings, travel accident insurance, car rental loss and damage insurance and concierge service. You can also earn $200 in credits on prepaid Delta Stays bookings. The card has a $650 annual fee. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$650
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Frequently fly with Delta Air Lines.
  • Want Delta Sky Club access and a companion certificate.
  • Can pay the annual fee and have good-to-excellent credit.

Since cardholders can earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership and earn 3 miles per dollar spent on Delta purchases, it makes sense to time the opening of this card with your next Delta purchase. You’ll receive 20% back as a statement credit on in-flight purchases. Statement credits can go up to $560. Also, you can easily recoup the annual fee by taking advantage of the companion certificate (which covers a round-trip domestic or international flight). Prepaid Delta Stays bookings will earn $200 in credits, and you’ll also earn up to $20 per month in credits when ordering from Resy restaurants, and $10 per month from select ride-hailing services. Enrollment required.

Consider pairing the Delta SkyMiles® Reserve American Express Card with a flat-rate cash back card or a card that offers bonus rewards in categories you frequently spend in. Since the card only earns 1 mile per dollar spent on all non-Delta purchases, you’ll earn greater rewards using a different card for everyday spending.

Editor's Take

Spending $650 on an annual fee is only worth it if there are valuable rewards and benefits, and the Delta SkyMiles® Reserve American Express Card doesn’t disappoint. While earning 3 miles per dollar on all Delta purchases to fund your next flight, you’ll also have access to a wide array of travel benefits and additional services. (See Rates & Fees)

Travel benefits that come with the card include complimentary Delta Sky Club® access and one-time guest passes, complimentary access to The Centurion® Lounge, an annual companion certificate for any round-trip domestic Delta flight, your first checked bag free, a fee credit for Global Entry or TSA PreCheck, trip delay and trip cancellation insurance, car rental insurance, baggage coverage and more.

If you frequently fly with Delta and can afford the annual fee, this card’s extensive travel benefits and generous welcome offer make it worth its hefty price tag. But if you don't need top-level Delta rewards and benefits, consider the Delta SkyMiles® Gold American Express Card, which offers airline perks with a lower annual fee. (See Rates & Fees)

Austin ColeContributor

Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

You can earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership, so open the card when you can spend enough to earn the welcome offer. Cardholders can also earn up to $20 per month in credits when ordering from Resy restaurants, $10 per month from select ride-hailing services, and earn $200 in credits on prepaid Delta Stays bookings. Cardholders of the Delta SkyMiles® Reserve American Express Card earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases. While this card earns well on Delta purchases, you can earn more rewards by using a card that earns more for other purchases in other categories.

United℠ Explorer Card

United℠ Explorer Card

Terms Apply

Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
21.24% - 28.24% Variable
Intro Offer
Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Rewards
2x Miles on United® purchases, dining, and hotel stays
Apply Now

On Chase's Website.

Terms Apply

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms Apply

Annual Fee
$550
Regular APR
21.74% - 28.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Reserve®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Reserve®

If you don’t exclusively fly Delta, a general travel card like the Chase Sapphire Reserve® may offer more flexibility in rewards earning and redemption. Chase Sapphire Reserve® cardholders earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Unlike the Delta SkyMiles® Reserve American Express Card, where your miles can only be redeemed for flights with Delta, the Chase Sapphire Reserve® allows you to book travel with a variety of different airlines or transfer points to travel partners.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Choice Privileges Select Mastercard | Credit Cards | U.S. News
By Lee Huffman
|
Edited by Emily Hayes
|
Updated: Wed Dec 11
By Lee Huffman
|
Edited by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Choice Privileges® Select Mastercard®
Rates and Fees

Terms Apply

Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

Choice Privileges® Select Mastercard®

Travelers who prefer Choice Hotels can earn elevated rewards, elite status and an anniversary bonus with the Choice Privileges® Select Mastercard®.

Credit Needed

Good to Excellent

Annual Fee

$95

Pros

  • The Choice Privileges® Select Mastercard® provides automatic Platinum elite status, which includes complimentary upgrades, early check-in, late checkout and 25% bonus points on paid stays.

  • New cardholders can earn 60,000 points after spending $3,000 on purchases in the first three months after opening an account.

  • Receive 30,000 bonus points each year when you renew the card, which is good for up to three reward nights.

Cons

  • The card has a $95 annual fee, which may not be worth it for occasional travelers.

  • There is no introductory APR offer for balance transfers or purchases.

  • It’s not possible to book stays with Choice Privileges points more than 100 days in advance.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Choice Privileges Select Mastercard

The Choice Privileges Select Mastercard is the premium hotel credit card for travelers who like to stay at Choice Hotels. It earns ten points per dollar on Choice purchases and five points per dollar on a range of bonus categories, including gas, groceries and phone service. Spend $3,000 within three months to earn a welcome bonus of 60,000 points, which is enough for up to 7 Reward nights at select Choice Hotels® properties. Additional fees may apply. When you renew the card, you’ll receive an anniversary bonus of 30,000 points.

As a cardholder, you’ll receive automatic Choice Privileges Platinum Elite Status, which qualifies you for complimentary upgrades, reserved parking, early check-in, late checkout and more. You’ll get TSA PreCheck or Global Entry reimbursement once every four years, plus complimentary cellphone protection and World Elite Mastercard benefits.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$95
  • Regular APR20.24%, 24.49%, or 29.49% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction FeeNone
Apply Now

On Wells Fargo's Website.

Rates & Fees

Choice Privileges Select Mastercard

Yes, if you:

  • Stay at Choice hotels regularly and want to maximize rewards.
  • Want Choice Privileges Elite Status for enhanced benefits.
  • Are willing to pay an annual fee for higher earning power and additional perks.

Choice Privileges Select Mastercard

The Choice Privileges Select Mastercard offers tremendous value for people who prefer to stay at Choice Hotels properties. The card earns 10 points per dollar when using your credit card at Choice Hotels, plus it includes complimentary Platinum Elite Status, which provides a 25% bonus on points earned from hotel stays. You’ll also earn five points per dollar on purchases at gas stations, grocery stores, home improvement stores and phone plans from landline and cellphone providers and one point per dollar on everything else.

New cardholders who spend at least $3,000 within the first three months after opening their account also receive 60,000 bonus points. Depending on how you redeem them, these points are worth up to 7 Reward nights at select Choice Hotels® properties. Additional fees may apply. When you renew your card, you’ll receive an additional 30,000 points each year. With points worth 0.6 cents each, that’s a value of $360 for the welcome bonus and $180 for the anniversary bonus.

Choice Select cardholders receive additional perks that help justify the card’s annual fee. Every four years, you’ll be reimbursed up to $120 when you pay for Global Entry or TSA PreCheck application fees with the card. The card does not charge foreign transaction fees and includes cellphone protection up to $800. As a World Elite Mastercard, it also comes with additional perks at Lyft, ShopRunner and Instacart.

Editor's Take

The Choice Privileges Select Mastercard is the ideal hotel credit card for travelers who prefer staying at Choice Hotels. It provides automatic Elite Status, elevated earning power and an anniversary bonus each year you renew the card. To justify paying the card’s $95 annual fee, you should take advantage of the card’s bonus categories to maximize rewards. Additionally, its 20 stay credits are a head start toward earning Diamond status, which provides a 50% bonus on paid stays and complimentary breakfast for two each morning.

For travelers who want more flexibility with their hotel choices, the Chase Sapphire Preferred is an excellent choice. It earns unlimited three points on dining and two points on travel worldwide, and it features premium travel protections that many minimal-annual-fee travel cards don’t offer. Its points can be redeemed for cash, travel, gift cards and more, or you can transfer them to 14 airline and hotel partners. Additionally, you’ll receive 25% more value when booking travel through Chase.

Lee HuffmanContributor

New cardholders earn 60,000 bonus points after spending $3,000 within the first three months.

Choice Privileges Select Mastercard

To maximize your rewards, start by focusing your spending on the Choice Privileges Select Mastercard to earn the card’s welcome bonus. Spending $3,000 within the first three months earns 60,000 bonus points, which is enough for up to 7 Reward nights at select Choice Hotels® properties. Additional fees may apply.

The card’s bonus categories earn an unlimited five points per dollar on purchases at gas stations, grocery stores, home improvement stores and phone plans from landline and cellphone providers. These bonus categories align with common household purchases, so you can turn your everyday purchases into future stays at Choice Hotels. When you stay at Choice Hotels, you’ll earn 10 points per dollar on your room and purchases charged to your room. Plus, you’ll earn an additional 25% elite status bonus on room charges thanks to the card’s complimentary Platinum Elite Status.

Through the Choice Privileges hotel loyalty program, members can redeem points for hotel stays, gift cards, cruises and more. With more than 7,500 hotels across 22 brands, you can book rooms starting at just 8,000 points per night. Choice also partners with seven airlines where you can convert your hotel points into airline miles.

Choice Privileges Select Mastercard

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Credit One Bank® Platinum Rewards Visa with No Annual Fee | Credit Cards | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Terms Apply

The information for the Credit One Bank® Platinum Rewards Visa with No Annual Fee has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Earn 2% cash back on eligible purchases with no annual fee.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

2% Cash back rewards on all eligible purchases

Pros

  • Earn 2% cash back on qualifying gas and grocery purchases as well as select internet, cable and satellite TV and mobile phone services.

  • Get up to 10% cash back on eligible purchases with select retailers, without needing to activate the offer.

  • Pay no annual fee.

Cons

  • Not all purchases earn cash back.

  • There's no 0% introductory annual percentage rate on purchases or balance transfers.

  • The APR is 29.74% variable, which is high.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Credit One Bank® Platinum Rewards Visa with No Annual Fee earns 2% cash back on qualifying gas and grocery purchases as well as select internet, cable and satellite TV and mobile phone services. You can earn up to 10% cash back on eligible purchases with select retailers. There's no annual fee. Benefits available to cardholders include a free Experian identity theft protection service and zero fraud liability coverage.

  • Issuer NameCredit One Bank
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR29.74% variable
  • Penalty APRNone
  • Balance Transfer FeeSee Terms
  • Cash Advance Fee$10/5%, whichever is greater (see terms)
  • Foreign Transaction Fee3% or $1.00, whichever is greater

Yes, if you:

  • Prefer to avoid an annual fee. 
  • Don't care to maximize rewards earning.
  • Can pay your balance in full each month.

The Credit One Bank® Platinum Rewards Visa with No Annual Fee has a limited window of rewards-earning opportunities, so you can make the most of this card's value by maximizing your rewards. Qualifying gas and grocery purchases and select telecommunications services earn 2%. Cardholders also earn 10% cash back on eligible purchases with select retailers. However, you won't earn 1% cash back on any other purchases that don't qualify for 2% or 10% cash back, so it's best to pair this card with another card that can earn cash back on every purchase.

This card doesn't offer a 0% introductory APR and has a 29.74% variable APR, so you should pay your balance in full each month to avoid high interest charges.

Editor's Take

Credit One Bank® Platinum Rewards Visa with No Annual Fee has limited appeal. While it has no annual fee and earns a solid 2% cash back on qualifying gas and grocery purchases as well as select internet, cable and satellite TV and mobile phone services, that's too narrow a window to make it a reliable cash back card. Any purchases that don't fall under the 2% cash back categories or with specific retailers earning 10% cash back won't earn rewards. With other cards on the market that earn a base rate of 1%, 1.5% or 2% on all purchases, it's tough to justify giving Credit One Bank® Platinum Rewards Visa with No Annual Fee a spot in your wallet, even though there's no annual fee.

Jessica MerrittContributor

There's no sign-up bonus with the Credit One Bank® Platinum Rewards Visa with No Annual Fee.

Cardholders earn 10% cash back on eligible purchases with select retailers. The Credit One Bank® Platinum Rewards Visa with No Annual Fee also earns 2% cash back on qualifying gas and grocery purchases as well as select internet, cable and satellite TV and mobile phone services. If you want to earn rewards, you'll need to make purchases in these categories or with specific retailers.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Credit One Bank® Platinum Rewards Visa with No Annual Fee doesn't stand up to the competition, such as Chase Freedom Unlimited®. There's no annual fee with Chase Freedom Unlimited®, and cardholders can enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. Chase Freedom Unlimited® also has a 0% intro APR on balance transfers and purchases for 15 months, then an APR of 19.74% to 28.49% variable.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD M&T Visa Signature Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

M&T Visa® Signature Credit Card

Terms Apply

The information for the M&T Visa® Signature Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

M&T Visa® Signature Credit Card

The M&T Visa® Signature Credit Card earns 1.5% cash back and has a 12-month 0% interest offer.

Credit Needed

Good/Excellent

Annual Fee

$0

Intro Offer

Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening

Rewards Rate

1.5% Cash back on every purchase

Pros

  • This card offers 0% intro APR on balance transfers for 12 billing cycles from account opening and 0% intro APR on purchases for 12 billing cycles from account opening.

  • The card charges a $0 annual fee and no foreign transaction fees.

  • Visa Signature benefits include travel and emergency assistance services, roadside dispatch, and purchase security.

Cons

  • The card charges a fee of 4% of each balance transfer (minimum $10), which is relatively high compared with many other credit cards that offer a 3% balance transfer fee with a $5 minimum.

  • There are no bonus spending categories that earn higher rewards, so the most you'll earn is 1.5% cash back.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The M&T Visa® Signature Credit Card offers unlimited 1.5 points per $1 spent on every purchase. There is no annual fee charged with this rewards card, and you can earn 10,000 bonus points worth $100 cash if you spend $500 in purchases in the first 90 days of account opening. New cardholders of the M&T Visa® Signature Credit Card can get a 0% intro APR on balance transfers for 12 billing cycles from account opening and 0% intro APR on purchases for 12 billing cycles from account opening. After that, a 18.49% to 22.49% variable APR applies.

  • Issuer NameM&T Bank
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR18.49% - 22.49% variable
  • Penalty APR24.99% Variable
  • Purchases Intro APR0% intro APR on purchases for 12 billing cycles from account opening
  • Balance Transfer Fee4% of each balance transfer (minimum $10)
  • Cash Advance Fee3% of each transaction (minimum $10)

Yes, if you:

  • Prefer the simplicity of a flat-rate rewards card.
  • Want a 0% introductory rate on purchases and balance transfers.
  • Don't want to pay an annual or foreign transaction fee.

The M&T Visa® Signature Credit Card comes with Visa Signature benefits including free concierge service, travel protection and no foreign transaction fee, making it a good card to use when traveling. As a new cardholder, you can earn a $100 bonus for spending at least $500 in purchases in the first 90 days of account opening.

With a 0% intro APR on balance transfers for 12 billing cycles from account opening and 0% intro APR on purchases for 12 billing cycles from account opening, you can get interest savings from this card. Whether you plan to pay off a high-interest balance or make a large purchase, calculate how much you'll need to pay each month to get your balance down to $0 before the introductory period expires.

Editor's Take

The M&T Visa® Signature Credit Card is a straightforward flat-rate rewards card, so there are no categories to keep track of and no limits on earning. If you're looking for more cardholder benefits or bonus rewards, there are higher-earning cards out there. But the base rate of 1.5% and the year of 0% APR make it a solid option.

Dawn PapandreaContributor

Earn 10,000 bonus points after spending $500 in purchases in the first 90 days of account opening – good for $100 cash.

As the M&T Visa® Signature Credit Card earns unlimited 1.5 points per $1 spent on every purchase, all you have to do is spend as you normally would to maximize your rewards. But make sure you can make $500 in purchases in the first 90 days of account opening to earn the 10,000-point sign-up bonus worth $100.

You might want to pair the M&T Visa® Signature Credit Card with another credit card that offers higher-earning bonus categories such as groceries, gas or dining and then use the M&T Visa® Signature Credit Card for everything else.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Another flat-rate card to consider is the Citi Double Cash® Card. It offers 1% when you buy plus 1% as you pay, adding up to a full 2% back. There is no limit to how much you can earn. With the Citi Double Cash® Card, you can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. That's double the offer on the M&T Visa® Signature Credit Card, but with a higher minimum spending requirement. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Verizon Visa Card | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Verizon Visa® Card

Terms Apply

The information for the Verizon Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Verizon Visa® Card

This card may be a good choice for Verizon customers who want to earn bonus rewards on groceries, gas and dining to help offset their Verizon wireless bills.

Annual Fee

$0

Rewards Rate

4% Back on grocery store and gas purchases

Pros

  • Good rewards rate on everyday spending categories and Verizon purchases, and there’s no limit on earnings.

  • $0 annual fee and no foreign transaction fees.

  • New cardholders receive a $100 Verizon wireless bill credit when spending $1,000 within 90 days of opening an account.

  • You can prequalify for the card without a hard credit check if you log into your Verizon account.

Cons

  • You must be a Verizon Wireless customer to apply. Business customers, users who are not the account owner or account manager, or Verizon Fios customers without a wireless account are not eligible.

  • There is no introductory 0% annual percentage rate offer on this card.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Verizon Wireless customers could benefit from the Verizon Visa® Card, issued by Synchrony Bank, which earns Verizon Dollars on eligible purchases. The card earns 4% back on groceries and gas, 3% back on dining and takeout, 2% back on Verizon purchases and 1% back on all other eligible purchases everywhere Visa credit cards are accepted. The card has a $0 annual fee and no foreign transaction fee. Card benefits include a $100 Verizon Wireless bill credit when you spend $1,000 in the first 90 days. You’ll also get interest-free financing for 12 months with equal payments on accessory purchases totaling $100 or more.

  • Issuer NameSynchrony Bank
  • Annual Fee$0
  • Regular APR26.24% or 30.24%
  • Penalty APRNone

Yes, if you:

  • Are a Verizon Wireless customer.
  • Want to use rewards to lower your monthly wireless bill.
  • Spend moderately on groceries, gas and dining.

With so many rewards cards available, the Verizon Visa® Card is best for those who want to reduce the cost of their monthly Verizon Wireless bill. In fact, the card even has an auto redeem feature that lets you apply your available Verizon Dollars automatically to lower your bill each month. If you’re someone who likes to have the latest cellphone on the market, you could instead save up your Verizon Dollars to help pay for your next phone upgrade.

Editor's Take

If you’re a Verizon Wireless loyalist who is seeking some relief on your monthly bill, or who likes to splurge on the latest phone versions, this card can bring you some value – especially thanks to its bonus rewards on everyday spending. For example, say you already spend $400 per month on groceries. That could be $16 off of your monthly credit card bill if you use your Verizon card.

The card becomes less valuable if you would like to have rewards flexibility or cash back that you can request as a check or use as a statement credit. Though you can choose gift cards or book some travel through Verizon’s travel portal, those options are limited.

Dawn PapandreaContributor

The Verizon Visa® Card offers a $100 statement credit on your credit card bill when you spend $1,000 within the first 90 days of the account opening date. In addition, a promotional offer lets new cardholders earn 5% in rewards on up to their first $2,000 in purchases through March 31, 2024 (excluding their Verizon bill).

Use your Verizon Visa® Card for Verizon purchases to earn 2% back. You’ll also get 4% back on groceries and gas, and 3% back on dining and takeout. Rewards come in the form of Verizon Dollars, which can be used to make Verizon Wireless bill payments or Verizon purchases.

You can also use rewards to book travel, hotels and rental cars or buy merchant gift cards via your My Verizon account using the website or app. So there is some flexibility if you decide not to apply the earnings to your credit card bill.

Reward dollars don’t expire, but you’ll forfeit them if no purchases, bill payments or rewards redemptions are made within 24 consecutive months.

If earning Verizon Dollars is a top goal, use the Verizon Visa® Card for purchases in those top-earning categories, and then pair it with another rewards card that has a higher base rate across all purchases or rewards for other categories that you spend in.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers a similar rewards structure: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. Though you’ll get 1% less cash back on groceries and gas than the Verizon Visa® Card offers, if you do a lot of shopping online, it can easily make up for the lower rate. However, unlike the Verizon card that has no cap on earnings, you’ll only get the rewards rate on the first $6,000 you spend for each category.

Both cards have no annual fee. As far as other benefits, the Blue Cash Everyday® Card from American Express offers an intro APR of 0% on purchases for 15 months, 18.49% to 29.49% variable APR after that. Plus, you’ll earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months as a welcome offer – which is double Verizon’s $100 credit.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD IHG One Rewards Premier Credit Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

IHG One Rewards Premier Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

IHG One Rewards Premier Credit Card

This card offers an excellent suite of benefits, a large welcome offer and free night opportunities for hotel customers loyal to IHG.

Credit Needed

Excellent, Good

Annual Fee

$99

Intro Offer

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

Rewards Rate

26X total points per $1 spent when you stay at IHG Hotels & Resorts

Pros

  • Cardholders get automatic Platinum Elite status.

  • When you redeem points for a consecutive four-night IHG hotel stay, you get the fourth night free.

  • Cardholders get one reward night at a participating IHG property each year.

Cons

  • The IHG One Rewards Premier Credit Card does not offer a 0% introductory annual percentage rate and has a standard APR of 20.74% to 27.74% variable.

  • This card has an annual fee of $99.

  • If you make a late payment, there is a up to 29.99% penalty APR that can remain in effect indefinitely.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Designed for frequent travelers, the IHG One Rewards Premier Credit Card earns hotel rewards worldwide. Cardholders earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.

New cardholders can earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. Cardholders also get various benefits, including an upgrade to Platinum Elite status with the IHG Rewards Club, which offers complimentary room upgrades when available and guaranteed room availability. Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$99
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Enjoy staying at IHG properties and travel frequently.
  • Don't mind paying an annual fee.
  • Will spend enough to earn the welcome offer.

It's quite easy to outearn the $99 annual fee on this card if you're a frequent traveler. Start by taking advantage of the fee credit (up to $120 every four years) on Global Entry, TSA PreCheck or NEXUS. You can also receive up to $50 United® TravelBank Cash each year after registering your IHG One Rewards Premier Credit Card with your MileagePlus® account. If you reach $20,000 in annual purchases, you'll also get a $100 statement credit and 10,000 bonus points. As for rewards, be sure to take advantage of both free night offers – the fourth night free when you book four consecutive nights, as well as the anniversary free night award.

Editor's Take

If you stay at IHG properties a few times per year, this card offers a lot of value, perks and benefits – even with the annual fee. The free night offers and generous sign-up bonus alone make this a strong contender for your wallet. You could also consider the no-fee version of this card, the IHG One Rewards Traveler Credit Card, if you're trying out the chain for the first time or are a less frequent traveler. Otherwise, if you prefer more hotel chain flexibility, use a general travel rewards credit card.

Dawn PapandreaContributor

New cardholders can earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

Because an IHG One Rewards Premier Credit Card holder earns up to 26 points per dollar spent at an IHG property, cardholders should use the card when staying at participating IHG hotels worldwide. Cardholders also earn 5 points per $1 spent on purchases on travel, at gas stations and at restaurants and 3 point per $1 spent on all other purchases. The sign-up bonus is the best way to maximize rewards, offering 140,000 bonus points after spending after spending $3,000 on purchases in the first 3 months from account opening.

While you'll get the most value from redeeming your points for hotel stays, you can redeem points in other ways, including toward flights or car rentals.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
IHG One Rewards Traveler Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

IHG One Rewards Traveler Credit Card

If you enjoy staying with IHG but don't travel often enough to warrant a card with an annual fee, the IHG One Rewards Traveler Credit Card is worth a look. This entry-level card offers a generous 80,000-point welcome offer after spending $2,000 on purchases within the first 3 months of account opening. You'll earn lower bonus rewards rates than on the IHG One Rewards Premier Credit Card. Cardholders of the IHG One Rewards Traveler Credit Card can earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases. Both cards offer the fourth night free when booking four consecutive nights with points and no foreign transaction fees, but there's no anniversary night on the IHG One Rewards Traveler Credit Card. None

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Venture X
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Venture X Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card charges a hefty $395 annual fee, but frequent travelers who use the Capital One Travel site can earn more than enough rewards to make up for it.

Credit Needed

Excellent

Annual Fee

$395

Intro Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Rewards Rate

10X Miles per dollar on hotels and rental cars booked through Capital One Travel.

Pros

  • No cap on rewards earning, and rewards never expire.

  • Offers travel credits, including the $300 annual Capital One Travel credit.

  • Earns a base rewards rate of 2 Miles per dollar on every purchase, every day.

Cons

  • Charges a $395 annual fee.

  • Only earns maximum rewards on eligible travel booked through Capital One Travel.

  • No introductory 0% annual percentage rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Venture X Rewards Credit Card is a travel rewards credit card that offers lucrative benefits for frequent travelers. Cardholders earn at least 2 Miles per dollar on every purchase, every day. 10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.

While there’s a $395 annual fee, cardholders get a $300 annual travel credit to use on Capital One Travel. With the sign-up bonus, you can earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, and the annual bonus offers 10,000 bonus miles each year on your anniversary. (See Rates & Fees)

  • Issuer NameCapital One
  • Credit NeededExcellent
  • Annual Fee$395
  • Regular APR19.99% - 29.49% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Can earn enough in rewards to make up for the card’s $395 annual fee. (See Rates & Fees)
  • Frequently spend in the card’s bonus categories.
  • Don’t want to pay a foreign transaction fee.

The Capital One Venture X Rewards Credit Card offers rewards and perks you should take advantage of. Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. Then, you should spend the card’s $300 annual travel credit with Capital One Travel, which nearly offsets the annual fee. (See Rates & Fees)

Capital One miles are worth 1 cent per mile, but you may get more redemption value when you transfer your miles to one of Capital One’s 15-plus travel loyalty programs, including airlines and hotels.

While traveling, you can get through airport security faster using Global Entry or TSA PreCheck, and the card offers a $120 statement credit for their application fees. You also get airport lounge access with a Priority Pass membership, which gets you into more than 1,300 airport lounges worldwide. Capital One Venture X Rewards Credit Card holders and up to two guests also get complimentary access to Capital One airport lounges.

Editor's Take

The Capital One Venture X Rewards Credit Card is a good choice for frequent travelers who want a premium travel rewards card with clear value. With a $300 annual travel credit and 10,000 anniversary miles equal to $100 toward travel, the card offers value that's comparable to its $395 annual fee. If you travel enough to use the credits, this card can pay for itself every year (See Rates & Fees).

Alternatively, you can consider the Capital One Venture Rewards Credit Card with a $95 annual fee (See Rates & Fees) or the no-annual-fee Capital One VentureOne Rewards Credit Card if you're fee averse (See Rates & Fees). While these cards don't have the same level of rewards and benefits as the Capital One Venture X Rewards Credit Card, they do earn Capital One miles and offer travel benefits.

Jessica MerrittContributor

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. The bonus miles are worth $750 when redeemed with Capital One Travel.

The best way to maximize rewards with the Capital One Venture X Rewards Credit Card is to earn the earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. Cardholders can earn 2 Miles per dollar on every purchase, every day. 10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.

To get the most value from miles redemptions, transfer your miles to one of Capital One’s partner airlines or hotels. With these travel partners, you may get more value than the 1 cent per mile you get when redeeming miles with Capital One Travel.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture Rewards Credit Card

If you’re looking for an option with a lower annual fee, the Capital One Venture Rewards Credit Card is similar with a lower $95 annual fee. The Capital One Venture Rewards Credit Card offers a 75,000-mile sign-up bonus once you spend $4,000 on purchases within 3 months from account opening, plus cardholders will earn 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. It also has up to a $120 credit for Global Entry or TSA PreCheck. But the Capital One Venture Rewards Credit Card lacks the Capital One Venture X Rewards Credit Card’s $300 annual travel credit and 10,000-mile anniversary bonus. (See Rates & Fees)

For rates and fees of the Capital One Venture X Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Kohl's Credit Card Review | Credit Cards | U.S. News
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Kohl's Credit Card

Terms Apply

More Info

The information for the Kohl's Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Kohl's Credit Card

This card is great for people who frequently shop at Kohl's and can redeem Kohl's Cash before they expire.

Annual Fee

$0

Pros

  • Frequent Kohl's shoppers can maximize store rewards and discounts with the Kohl's Credit Card.

  • Earn a 35% discount on a single transaction in store or online when using the card within 14 days of approval.

Cons

  • The card can only be used at Kohl's.

  • Kohl's Cash must be used within 30 days of issue.

  • Carrying a balance will be quite expensive with the card’s high interest rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Kohl's Credit Card offers maximum rewards and discounts for frequent Kohl's shoppers. Earn 7.5% rewards with every purchase, and new cardholders will earn a 35% discount on a single transaction in store or online when using the card within 14 days of approval.

The card has a $0 annual fee but comes with a high annual percentage rate if you carry a balance. Rewards also can be complicated and expire fairly quickly.

  • Issuer NameCapital One
  • Annual Fee$0
  • Regular APR30.74% Variable APR
  • Penalty APRNone

Yes, if you:

  • Frequently shop at Kohl's and would like to maximize your rewards.
  • Do not plan to carry a balance.
  • Do not plan to use the card at other stores.

You can earn 7.5% back on Kohl’s purchases using a Kohl's Credit Card, but you’ll need to stay on top of redemption periods so you don’t miss out on using the rewards you’ve earned. Your Kohl’s rewards balance is converted and issued in $5 Kohl’s Cash increments on the first of the month after you’ve earned it. You’ll have just 30 days before your Kohl’s Cash expires.

With a high APR, it’s best to pay off your balance on this card each month, as interest charges can easily offset the value of your rewards.

Editor's Take

If you regularly shop at Kohl’s, can redeem your rewards before they expire and pay off your balance each month, you can get good value from the Kohl's Credit Card. But if you need to carry a balance or aren’t sure you’ll redeem your rewards on time, a more flexible credit card is probably a better option.

For example, with the Capital One Quicksilver Cash Rewards Credit Card, you can get a 0% intro on purchases for 15 months, 19.49% to 29.49% (variable) thereafter, which could help you pay off purchases interest free. And your cash back earned with the Capital One Quicksilver Cash Rewards Credit Card doesn’t expire as long as the account remains open. (See Rates & Fees)

Jessica MerrittContributor

You’ll get 35% off your first in-store or online transactions when you’re approved for the Kohl's Credit Card. The coupon expires within 14 days.

You'll earn 7.5% rewards when you shop using your Kohl's Credit Card. Your earnings will appear on your Kohl's Rewards balance within 48 hours of your purchase, unless otherwise stated. On the first of the following month, your Kohl's Rewards balance will convert into Kohl's Cash in $5 increments. You'll have 30 days to use your Kohl's Cash.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

A store credit card like the Kohl's Credit Card may be helpful if you’re a loyal Kohl’s shopper, but a more general rewards card can be a better fit if you need more flexibility. For example, Capital One Quicksilver Cash Rewards Credit Card cardholders can 1.5% Cash Back on every purchase, every day, not just at Kohl’s. Plus, earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Cash back doesn’t expire for the life of the account. The card has a $0 annual fee, and you can use the 0% intro on purchases for 15 months to pay off purchases or high-interest balances with no finance charges, 19.49% to 29.49% (variable) APR after that. (See Rates & Fees)

Also note that you don’t need a Kohl's Credit Card to be a Kohl’s Rewards member. You can still sign up for the program and earn 5% in Kohl’s Cash when you pay with another credit card. So you may get more value with a cash-back card you can use at Kohl’s and other stores.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank SKYPASS Visa Signature® Card Review | U.S. News
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

SKYPASS Visa Signature® Card

Terms Apply

The information for the SKYPASS Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

SKYPASS Visa Signature® Card

The SKYPASS Visa Signature® Card might be a good fit for frequent Korean Air flyers who want Visa Signature®benefits and don't mind paying the card's $99 annual fee.

Credit Needed

Good/Excellent

Annual Fee

$99

Rewards Rate

2X Miles for every net eligible dollar you spend on Korean Air ticket purchases

Pros

  • You'll earn a 40,000-mile sign-up bonus when you spend $4,000 in purchases within the first three months of opening an account.

  • You can earn 2 miles per dollar spent on Korean Air ticket purchases.

  • There are no foreign transaction fees.

Cons

  • There's no introductory APR.

  • You won't get an annual card bonus.

  • Rewards must be redeemed for Korean Air ticket purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The SKYPASS Visa Signature® Card earns an unlimited 2 miles per dollar spent on eligible Korean Air ticket purchases, hotels and dining, and 1 mile per dollar spent on all other eligible purchases.

The card has a $99 annual fee and comes with benefits including travel and emergency assistance services, lost luggage reimbursement and an auto rental collision damage waiver. New cardholders earn a 40,000-mile sign-up bonus by making $4,000 in purchases within the first three months of opening an account.

Cardholders get a yearly one-time 5% discount coupon for Korean Air and also receive two KAL Lounge passes every year. The APR for purchases and balance transfers is variable 23.24% to 29.99%.

  • Issuer NameU.S. Bank
  • Credit NeededGood/Excellent
  • Annual Fee$99
  • Regular APR23.24% to 29.99%
  • Penalty APRNone
  • Balance Transfer Fee3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance FeeConvenience Check Cash Advance: Either 3% of the amount of each advance or $10 minimum, whichever is greater Cash Advance ATM/Cash Advance: Either 5% of the amount of each advance or $10 minimum, whichever is greater Cash Equivalent Advance: Either 5% of the amount of each advance or $20 minimum, whichever is greater

Yes, if you:

  • Frequently fly with Korean Air.
  • Plan to earn enough miles to offset the card's $99 annual fee.
  • Want to save 5% on Korean Air purchases.

To best take advantage of the SKYPASS Visa Signature® Card's sign-up bonus, consider waiting to open this card until you are ready to book your next Korean Air flight. This will help you meet the $4,000 in purchases within the first three months of opening an account to earn the 40,000 bonus miles.

With no foreign transaction fees and the ability to earn 2 miles per dollar spent on hotels and dining, the SKYPASS Visa Signature® Card is a good option to use while abroad to earn additional miles. You'll also save 5% on Korean Air purchases with a coupon you receive each year.

Editor's Take

You'll need to be a frequent flyer of Korean Air to make the SKYPASS Visa Signature® Card worth its $99 annual fee. While the 40,000-mile sign-up bonus and Visa Signature® benefits are a plus for the card, only being able to redeem miles for Korean Air flights could be limiting for cardholders.

If you don't just fly with Korean Air, consider a more well-rounded travel card like the Chase Sapphire Preferred® Card, which offers a similar sign-up bonus plus more ways to earn and redeem miles.

Austin ColeContributor

New cardholders earn a 40,000-mile sign-up bonus by making $4,000 in purchases within the first three months of opening an account.

The SKYPASS Visa Signature® Card earns 2 miles for every eligible dollar spent on Korean Air tickets, 2 miles for every eligible dollar spent on hotels and dining, and 1 mile for every eligible dollar spent on all other purchases.

The card's sign-up bonus allows cardholders to earn 40,000 bonus miles after spending $4,000 in purchases within the first three months of opening an account. Cardholders also receive a 5% off coupon for themselves and a companion toward a qualifying Korean Air ticket purchase each year.

Miles can be redeemed for award travel and upgrades on Korean Air and SkyTeam partners, so cardholders can earn miles for eligible Korean Air ticket purchases and redeem them with the airline as well.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

For those looking for a more well-rounded travel card, the Chase Sapphire Preferred® Card has an annual fee of $95. Cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

With the Chase Sapphire Preferred® Card, you can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Through Chase Ultimate Rewards®, you can redeem your points for 25% more value when redeemed for travel. The Chase Sapphire Preferred® Card is a flexible travel credit card and may be a better option unless you exclusively fly with Korean Air.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One® QuicksilverOne® Cash Rewards Credit Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One QuicksilverOne Cash Rewards Credit Card

This card for fair credit earns above-average rewards but doesn’t offer a sign-up bonus, has an annual fee and charges a high APR.

Credit Needed

Average, Fair, Limited

Annual Fee

$39

Intro Offer

Earn unlimited 1.5% cash back on every purchase, every day

Rewards Rate

1.5% Cash Back on every purchase, every day

Pros

  • The flat 1.5% cash back rate is unlimited, meaning there are no earning caps.

  • You can qualify with fair credit without a security deposit and begin earning higher credit limits after six months.

  • This card has no foreign transaction fees.

Cons

  • This card has a $39 annual fee.

  • The standard APR for purchases, balance transfers and cash advances is 29.99% (variable) (variable), which is higher than average.

  • There is no sign-up bonus or introductory APR offer on this card.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One QuicksilverOne Cash Rewards Credit Card is a cash back rewards card that earns unlimited 1.5% Cash Back on every purchase, every day. You’ll also get 5% back on hotels and rental cars reserved through Capital One Travel, the issuer's booking site. With this card, you won't need to track rotating bonus categories or spending limits.

Because the card is aimed at people with fair credit, there is a $39 annual fee. With responsible use, you can build credit and earn a higher limit. The issuer automatically reviews credit lines, and you could be eligible for an increase in six months. (See Rates & Fees)

  • Issuer NameCapital One
  • Credit NeededAverage, Fair, Limited
  • Annual Fee$39
  • Regular APR29.99% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Are OK with paying an annual fee
  • Have fair credit and would like to improve your credit score
  • Want to earn rewards but avoid tracking bonus categories and spending limits

With its annual fee, the Capital One QuicksilverOne Cash Rewards Credit Card is a means to an end. If you have fair credit and can’t qualify for other unsecured rewards cards, it can be worth the $39 per year to make some credit strides.

The goal with the card, which will likely start with a small credit line, is to use it sparingly and make the payment in full each month. This will help you keep your credit utilization low and establish a track record of positive payment activity. Both of these moves will help you earn a higher credit limit and a stronger credit score. Once you’ve grown your credit score enough to qualify for a no-annual-fee card, you should probably move on from the Capital One QuicksilverOne Cash Rewards Credit Card.

Editor's Take

Your card choices are limited if you have fair credit, especially if you want to earn rewards on your purchases. The Capital One QuicksilverOne Cash Rewards Credit Card offers a path for building credit and a pretty decent 1.5% Cash Back on every purchase, every day rate to boot. You’ll have to pay $39 per year for the privilege, but that might be preferable to getting a secured credit card with a required security deposit.

Dawn PapandreaContributor

The Capital One QuicksilverOne Cash Rewards Credit Card does not offer a sign-up bonus.

The Capital One QuicksilverOne Cash Rewards Credit Card earns 5% back on hotels and rental cars reserved through Capital One Travel and 1.5% Cash Back on every purchase, every day. Maximize your cash back by always paying off your balance and avoiding interest charges that outweigh your cash back earnings.

You can redeem cash back rewards in any amount, and rewards do not expire as long as your account is open. You can redeem your rewards for a check or a statement credit, book a trip through Capital One Travel, cover a specific card purchase or spend them on gift cards.

Your account must be in good standing to redeem rewards. When you're ready to cash in, sign into your online account or use Capital One's mobile app.

The information for the Petal® 1 "No Annual Fee" Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

If you have fair credit and are willing to put down a security deposit, the Discover it® Secured Credit Card is a solid option. There’s no annual fee, and you’ll earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus 1% back on all other purchases. Discover will match all the cash back you’ve earned at the end of your first year. After seven months, Discover automatically reviews your account for eligibility to upgrade to the unsecured version of the card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Mastercard Black Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Fri Nov 01
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Fri Nov 01, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Mastercard® Black Card™

Terms Apply

More Info

The information for the Mastercard® Black Card™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Mastercard® Black Card™

The Mastercard® Black Card™ earns consistent rewards, and points have a high redemption value for travel and cash back, though the card also comes with a $495 annual fee and no sign-up bonus.

Credit Needed

Very Good, Excellent

Annual Fee

$495

Intro Offer

Annual Airline Credit--up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That's it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.

Rewards Rate

2% value for airfare redemption with no airline or seat restrictions and no blackout dates.

Pros

  • One point is worth 2 cents when redeemed for travel and 1.5 cents when redeemed for cash back.

  • Offers a 0% APR for the first 15 billing cycles on balance transfers made in the first 45 days after opening an account.

  • Travel benefits include no foreign transaction fees, access to travel assistance services, a $100 annual airline credit, a credit toward Global Entry or TSA PreCheck fees and airport lounge access with Priority Pass Select.

Cons

  • Cardholders pay a $495 annual fee, plus $195 for every authorized user.

  • The card earns one point per dollar on all purchases.

  • There's no sign-up bonus.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Mastercard® Black Card™ is designed for people with excellent credit. The card earns one point per dollar on purchases. Points have a 2% value for airfare redemptions and a 1.5% value for cash back redemptions. That means one point is worth 2 cents when redeemed for airfare or 1.5 cents when redeemed for cash. You'll have to pay a $495 annual fee for the Mastercard® Black Card™, but cardholders receive a plethora of travel benefits.

Cardholders get a 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

  • Issuer NameLuxury Card
  • Credit NeededVery Good, Excellent
  • Annual Fee$495
  • Regular APR21.24%, 25.43% or 28.24% Variable
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Can offset the annual fee with rewards and benefits.
  • Travel frequently.
  • Aren't looking for a sign-up bonus.

The Mastercard® Black Card™ comes with a hefty $495 annual fee, but frequent travelers could get value that exceeds the card's cost. You can get $200 back in statement credits with a $100 Global Entry or TSA PreCheck application credit and a $100 annual airline credit. Cardholders also get access to over 1,300 airport lounges with Priority Pass Select and up to $500 in value per stay when booking a participating hotel. Other benefits, such as an auto rental collision damage waiver, could save you money compared with purchasing rental car insurance.

Rewards earning may be slow going, with just one point per dollar and no sign-up bonus or opportunities to earn in bonus spending categories. However, your points may go further than with some other travel rewards cards because you can get additional value for airfare or cash back redemptions. For example, 20,000 points are worth $400 when redeemed for airfare or $300 as cash back.

Editor's Take

The Mastercard® Black Card™ is good for cardholders who can take advantage of travel benefits and plan to redeem rewards for airfare. You'll need to use the credits and maximize your redemption value to offset the annual fee. It may be tough to earn the travel rewards you want with just one point per dollar and no bonus-earning opportunities.

If you like what the Mastercard® Black Card™ has to offer but not the $495 annual fee, consider the Mastercard® Titanium Card™, which offers identical points earning as well as the same 2% redemption rate for airfare and 15-month 0% introductory APR on balance transfers. The cash back redemption is slightly lower at one point per dollar on purchases, but the Mastercard® Titanium Card™ has a much lower $195 annual fee.

Still, other premium cards, such as the Chase Sapphire Reserve® or The Platinum Card® from American Express, may offer more value with more extensive cardholder credits, flexible rewards redemption, welcome bonuses and bonus rewards categories that make it easier to earn points. Keep in mind those cards may come with higher annual fees.

Jessica MerrittContributor

The Mastercard® Black Card™ doesn't offer a sign-up bonus.

There's no trick to maximizing rewards earning with this card because it earns a flat one point per dollar no matter what you use your card for. You can, however, maximize rewards redemption by using points for airfare, which offers the most value.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Reserve®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Reserve®

For a higher annual fee of $550, Chase Sapphire Reserve® may offer more value for frequent travelers. It starts out with a 60,000-point sign-up bonus after you spend $4,000 on purchases in the first 3 months from account opening. The card also offers a $300 annual travel credit and $1,200 in partnership benefit value, such as monthly DoorDash credits. And you can earn up to 10 points per dollar on spending in select categories.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD United Quest Card Review| U.S. News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

United Quest℠ Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

United Quest℠ Card

Loyal United Airlines travelers who want free checked bags and an accelerated path through the MileagePlus Premier status tiers may find the United Quest℠ Card a good match, even with its $250 annual fee.

Credit Needed

Good, Excellent

Annual Fee

$250

Intro Offer

Limited-time Offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Rewards Rate

3x Miles on United® purchases.

Pros

  • You can get up to 10,000 miles in award flight credits each year.

  • You and a travel companion can each check two standard bags for free on United-operated flights.

  • You will automatically receive up to $125 in statement credits for United purchases charged to your United Quest℠ Card each account anniversary year.

Cons

  • The United Quest℠ Card charges a $250 annual fee.

  • There is no airport lounge benefit with this card.

  • A late or returned payment may result in a penalty APR of up to 29.99% that could remain indefinitely.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The United Quest℠ Card is a co-branded airline credit card from Chase. Limited-time Offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open. Plus with 3 miles per dollar spent on qualifying United Airlines purchases, two free checked bags for you and a travel partner, and many other benefits, the card can be a great travel companion for frequent United flyers. You’ll also earn 2 miles per dollar at restaurants, on select streaming services and all non-United travel purchases. However, weigh the benefits against the credit card’s $250 annual fee and potentially high annual percentage rate.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$250
  • Regular APR21.24% - 28.24% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Are a frequent, loyal United flyer.
  • Will take advantage of the free checked bags perk.
  • Aren’t looking for airport lounge access.

If you’re a status chaser, the chance to earn Premier qualifying points with this card can help you get to the next level. You'll earn 25 PQPs for every $500 you spend on purchases with your United Quest℠ Card (up to 6,000 PQPs in a calendar year), which can be applied toward your Premier status qualification, up to and including the Premier 1K® level. Other good perks to take advantage of include 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights and on Club premium drinks. You’ll also receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.

Editor's Take

If you’re a frequent United flyer who likes to pack heavy for your getaways and you want to achieve MileagePlus® Premier® status, the United Quest card can be worthwhile – even with its $250 annual fee. Taking advantage of the two free checked bags for you and a companion roundtrip just once per year is worth more than the fee; plus, there are opportunities to earn those coveted PQPs. If you travel infrequently, are more of a carry-on person, and aren’t interested in earning status, you might want to go for the less expensive United℠ Explorer Card. Conversely, if you consider yourself an elite traveler and want perks to match, you might be better off with a higher-fee general rewards card that provides airport lounge access and other VIP-ish benefits.

Dawn PapandreaContributor

Limited-time Offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Cardholders receive miles on every United Quest℠ Card purchase. You’ll earn 3x miles on United® purchases. 2x miles on dining, select streaming services & all other travel. 1x mile on all other purchases. Plus, each year, receive up to a $125 United® purchase credit and up to 10,000 miles in award flight credits (terms apply) and earn up to 6,000 Premier qualifying points.

In addition to earning miles as you make purchases, you can also receive two 10,000-mile flight credits each account anniversary year after taking a United- or United Express-operated flight booked with your miles.

You can also earn and use MileagePlus miles on any airline in the Star Alliance network. Redeem your miles toward United and Star Alliance flights, car rentals or shopping at your favorite retailers.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
United℠ Explorer Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

United℠ Explorer Card

The United℠ Explorer Card is a lower-tier version of the United Quest℠ Card that might be a better fit if you fly less frequently. It offers a $0 intro annual fee for the first year, then $95. It has a slightly lower rewards-earning rate than the United Quest℠ Card; cardholders of the United℠ Explorer Card 2x miles on United® purchases, dining, and hotel stays. 1x mile on all other purchases. Both cards offer many of the same travel and purchase protection benefits including priority boarding, complimentary seat upgrades and 25% back as statement credits on United in-flight purchases. Neither card charges a foreign transaction fee.

While the United Quest℠ Card allows two free checked bags for you and a traveling companion, the United℠ Explorer Card permits one free checked bag for each of you. The United℠ Explorer Card also offers two one-time United Club airport lounge passes each year, worth $59 each, but it doesn’t offer the $125 in statement credits as reimbursement for United purchases like the United Quest℠ Card does. Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open on the United℠ Explorer Card, which is 10,000 points less than the United Quest℠ Card, and you won’t earn any PQPs.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Disney® Premier Visa® Card| US News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Disney® Premier Visa® Card

Terms Apply

More Info

The information for the Disney® Premier Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Disney® Premier Visa® Card

Disney enthusiasts can maximize the Mouse-themed rewards and benefits on this card, but the annual fee and limited redemption options should give you pause if you’re not a big Disney spender.

Annual Fee

$49

Rewards Rate

2% Back on purchases at gas stations, grocery stores, restaurants and most Disney locations

Pros

  • Cardholders receive a 10% discount when using the Disney® Premier Visa® Card to make eligible Disney purchases.

  • You’ll get a 0% introductory APR for six months on select disney vacation packages.

  • Cardholders get exclusive character experiences, baggage delay insurance, extended warranty protection and purchase protection.

Cons

  • The Disney® Premier Visa® Card charges a $49 annual fee.

  • Your redemption options are limited to eligible Disney purchases or a statement credit toward airline travel.

  • Many purchases are excluded from the 10% merchandise and dining discount.

  • The penalty APR of 29.99% variable could last indefinitely.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Mickey Mouse fans receive discounts and earn rewards with Disney using the Disney® Premier Visa® Card from Chase. Cardholders earn 2% back in Disney Rewards Dollars at restaurants, gas stations, grocery stores and select Disney locations. You’ll also get 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com and 1% back on all other purchases. New cardholders can earn a $300 statement credit after you spend $1,000 on purchases in the first three months of opening an account. The card has a $49 annual fee and offers benefits such as baggage delay insurance, extended warranty coverage and purchase protection.

  • Issuer NameChase
  • Annual Fee$49
  • Regular APR18.74% - 27.74% Variable APR
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% introductory APR for six months on select Disney vacation packages
  • Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 3% of the amount of each transaction, whichever is greater
  • Foreign Transaction Fee3% of each transaction in U.S. dollars

Yes, if you:

  • Vacation at Disney properties on a regular basis.
  • Want access to exclusive character photo spots at U.S. parks.
  • Shop Disney merchandise often.

Take advantage of all the extra perks on the Disney® Premier Visa® Card to outearn the annual fee and maximize the value. For example, you can earn back $14.99 per month for up to three consecutive months in statement credits on qualifying streaming Disney Bundle subscription purchases. You can also get Disney savings. Given that the average five-night Disney World vacation cost over $6,000 for a family of four in 2023, having 6 months of 0% APR to pay it off and getting 10% off your park dining and other purchases can add up to vacation savings.

Editor's Take

If you’re a Disney fanatic family who enjoys vacationing with Disney often, buying Disney gear, and subscribing to Disney streaming content, you can get the most value from this card. Try opening the card several months before you’re planning a trip so that you can earn the welcome offer and rack up some rewards before you book. If you’re only considering the card for a one-time Disney trip, a more general rewards card that aligns with your spending may serve you better.

Dawn PapandreaContributor

The Disney® Premier Visa® Card offers a $300 statement credit when you spend $1,000 on purchases in the first three months of opening an account.

Make the most of rewards with the Disney® Premier Visa® Card by using your card to earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com, 2% back in Disney Rewards Dollars at restaurants, gas stations, grocery stores and select Disney locations and 1% back on all other purchases.

Rewards can be redeemed as a statement credit for airline travel or eligible Disney purchases, such as theme park tickets and resort stays. Plan to spend $1,000 on purchases in the first three months of opening an account if you want to get the card’s $300 statement credit welcome offer.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

If you want to offset the cost of your Disney vacations (or any travel), you can do so with a more general rewards credit card like the Chase Sapphire Preferred® Card. You’ll pay a higher annual fee of $95, but the welcome offer is also higher — 60,000 Chase Travel points after you spend $4,000 on purchases in the first 3 months from account opening.

You’ll also get a higher earning rate in some spending categories as cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. You can then redeem your points in a number of ways, including transferring them to partner airline or hotel loyalty programs.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Simmons Rewards Visa Signature Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Simmons Rewards Visa Signature®

Terms Apply

The information for the Simmons Rewards Visa Signature® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Simmons Rewards Visa Signature®

This no-annual-fee card offers flat-rate rewards, but there are similar cards with higher earning potential and better perks.

Credit Needed

Good/Excellent

Annual Fee

$0

Intro Offer

Earn 30,000 bonus rewards points if you spend $3,000 in purchases within the first three months of opening your account

Rewards Rate

1.25X Points per dollar on all eligible purchases

Pros

  • The Simmons Rewards Visa Signature® has no annual fee.

  • This card offers a 12-month 0% introductory APR on balance transfers made within 60 days of opening an account.

  • The lower end of the purchase APR range, if you can qualify, is competitive.

Cons

  • There is no introductory rate on purchases.

  • The Simmons Rewards Visa Signature® earns 1.25 points per dollar, but other rewards cards may have higher point earnings with bonus categories.

  • There is a 2% foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Simmons Rewards Visa Signature® is a rewards credit card that earns points with every purchase. For every dollar spent, you will earn 1.25 points. There is no annual fee, and the card comes with benefits, including car rental coverage and up to $1 million in travel accident insurance.

  • Issuer NameSimmons Bank
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR17.00% - 25.00% APR variable
  • Penalty APRNone
  • Balance Transfer FeeDuring the promotional period: either $10.00 or 3% of the amount of each balance transfer, whichever is greater. After the promotional period: $0.
  • Cash Advance Fee3% of the amount of each cash advance, but not less than $4
  • Foreign Transaction Fee2%

Yes, if you:

  • Want a simple card with no annual fee.
  • Like having several rewards redemption options.
  • Won’t use the card for travel outside the U.S.

The Simmons Rewards Visa Signature® offers flat-rate rewards and benefits and perks are limited, so not much strategy is required. It might be a decent card to pair with other cards that earn bonus points in specific categories but only 1 point per dollar on other purchases. With this card, you’ll earn a slightly higher base rate of 1.25 points per dollar.

Editor's Take

If you want to earn rewards on your spending, other cards have better earning potential, including flat-rate cards that earn 1.5 or two points per dollar spent. And while the welcome bonus is decent, you’ll have to do a good amount of spending to get it. Overall, the Simmons Rewards Visa Signature® has lackluster rewards and benefits.

Dawn PapandreaContributor

Earn 30,000 bonus rewards points if you spend $3,000 in purchases within the first three months of opening your account.

With the Simmons Rewards Visa Signature®, you will earn 1.25 points for every dollar spent, so you will maximize your rewards simply by using the card to make purchases. Try earning the welcome offer by spending $3,000 in the first three months for a boost of 30,000 points.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

The Citi Double Cash® Card is another flat-rate rewards card with no annual fee, but it earns 2% back. You’ll get unlimited 1% when you buy plus 1% as you pay. Because cash back is earned in the form of ThankYou® Points, you have redemption flexibility, too. The card also has a welcome offer that is lower in value but easier to qualify for than the offer on the Simmons Rewards Visa Signature®: You’ll earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. There’s also a longer 0% APR balance transfer offer of 18 months on Balance Transfers on the Citi Double Cash® Card versus the 12 months you’ll get on the Simmons Rewards Visa Signature®. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD United Gateway℠ Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

United Gateway℠ Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

United Gateway℠ Card

Earn bonus miles when flying on United with no annual fee.

Credit Needed

Good, Excellent

Annual Fee

$0

Intro Offer

Limited-time Offer: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

Rewards Rate

2x Miles on United® purchases, at gas stations, and on local transit and commuting

Pros

  • Earn 2x miles at gas stations on United purchases.

  • You'll earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

  • $0 annual fee.

Cons

  • United travel benefits are limited to food and beverage discounts.

  • Miles must be redeemed with United or its partners.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

If you fly with United Airlines, you can earn bonus miles with no annual fee using the United Gateway℠ Card. This card earns 2x miles on United® purchases, at gas stations, and on local transit and commuting. 1x mile on all other purchases. You'll earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. The card comes with benefits such as purchase protection, extended warranties and trip cancellation insurance.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$0
  • Regular APR21.24% - 28.24% Variable
  • Penalty APRUp to 29.99%
  • Purchases Intro APR0% for 12 months
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Frequently fly with United.
  • Don't need major airline benefits.
  • Can use the intro APR of 0% for 12 months on purchases, then 21.24% to 28.24% variable.

With an intro APR of 0% for 12 months on purchases, then 21.24% to 28.24% variable, and a 30,000-mile bonus when you spend $1,000 within the first three months, it makes sense to use the United Gateway℠ Card if you plan to book a flight with United. You can earn bonus miles and pay off your flight expenses interest-free in the first 12 months. And with 2x miles at gas stations earned on United, you can use the United Gateway℠ Card any time you book a flight with United. There's no annual fee, so it doesn't cost you anything to keep the card and earn bonus miles on United, as long as you avoid interest by paying off your balance in full after the 0% APR offer expires.

Editor's Take

If you're a casual flyer of United, this card can offer value. Whether you're financing a flight purchase interest-free or earning 30,000 bonus miles after spending $1,000 in the first three months, there's a lot to like about this no-annual-fee card.

But if you fly United frequently, you might consider a United card with an annual fee and more airline benefits, such as the United℠ Explorer Card that gives you and a companion a free first checked bag on each flight and priority boarding. Though there is a $0 intro annual fee for the first year, then $95, your checked-bag savings can pay off with one round-trip flight.

Jessica MerrittContributor

When you open a United Gateway℠ Card and spend $1,000 within the first three months, you'll earn 30,000 bonus miles.

Earning the 30,000-mile sign-up bonus is a great way to rack up many miles early on with the United Gateway℠ Card. You'll just need to spend $1,000 within the first three months. But you can also earn 2x miles on United® purchases, at gas stations, and on local transit and commuting. 1x mile on all other purchases. You can use miles to book travel with United or redeem with United partners, including hotels, rental cars and cruises.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
United℠ Explorer Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

United℠ Explorer Card

Consider the United℠ Explorer Card if you travel more frequently with United. Though this card has an $0 intro annual fee for the first year, then $95, it also offers more value with a larger sign-up bonus, a free first checked bag for you and a companion, priority boarding and a statement credit for Global Entry, TSA PreCheck or Nexus application fees.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Alaska Airlines Visa Signature Credit Card Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Alaska Airlines Visa Signature® Credit Card

Terms Apply

The information for the Alaska Airlines Visa Signature® credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Alaska Airlines Visa Signature® Credit Card

The Alaska Airlines Visa Signature® Credit Card’s sign-up bonus is beneficial, but make sure you get enough value out of the card to cover its $95 annual fee.

Credit Needed

Good/Excellent

Annual Fee

$95

Intro Offer

Cardholders can receive a $99 companion fare (plus taxes and fees from $23) plus 60,000 bonus miles after spending $3,000 or more within the first 90 days of opening your account.

Rewards Rate

3X Miles per dollar spent on eligible Alaska Airlines purchases

Pros

  • Cardholders can earn 3 miles per dollar spent on Alaska Airlines purchases.

  • Cardholders can receive a $99 companion fare (plus taxes and fees from $23) plus 60,000 bonus miles after spending $3,000 or more within the first 90 days of opening your account..

  • There are no foreign transaction fees.

Cons

  • You’ll pay a $95 annual fee.

  • There’s no introductory APR.

  • Travel redemption options are limited to Alaska Airlines and its partner airlines.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Alaska Airlines Visa Signature® Credit Card is an airline credit card designed for frequent flyers of Alaska Airlines. It earns 3 miles per dollar on eligible Alaska Airlines purchases, 2 miles per dollar spent on eligible gas, EV charging station, local transit, ride-hailing, cable and select streaming services purchases, and 1 mile for every dollar on other purchases.

60,000. And each account anniversary year, you can earn another $99 (plus fees from $23) companion fare when you spend $6,000 or more in the previous year.

The Alaska Airlines Visa Signature® Credit Card requires a $95 annual fee and has a 21.24% to 29.24% variable APR APR for purchases and balance transfers. There’s a balance transfer fee of 4% of each transaction.

  • Issuer NameBank of America
  • Credit NeededGood/Excellent
  • Annual Fee$95
  • Regular APR21.24% - 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Balance Transfer Fee4% of each transaction
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction. ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction.

Yes, if you:

  • Frequently fly on Alaska Airlines or its partner airlines.
  • Have the good to excellent credit required for approval.
  • Can use the annual companion fare.

Like most travel cards with a purchase minimum for the sign-up bonus, it makes the most sense to open this card when you’re ready to book your next trip with Alaska Airlines. 60,000.

The Alaska Airlines Visa Signature® Credit Card has no foreign transaction fees, making it a good choice to use abroad. Cardholders can also earn 10% bonus rewards on all miles earned from card purchases with an eligible Bank of America account.

Editor's Take

The Alaska Airlines Visa Signature® Credit Card is a good option for those who frequently fly with Alaska Airlines or its partner airlines. The card's travel perks of a free checked bag for you and up to six guests, priority boarding and $100 off an annual Alaska Lounge+ Membership when you pay with your card are all valuable to frequent Alaska Airlines flyers. To maximize earnings, cardholders should pair the card with an eligible Bank of America account to earn a 10% rewards bonus on all miles earned.

For those who don't exclusively fly with Alaska Airlines and its partner airlines, consider a more well-rounded travel credit card like the Chase Sapphire Preferred® Card. With $95 annual fee, the Chase Sapphire Preferred® Card offers a comparable sign-up bonus with more flexible ways to redeem your points for travel.

Austin ColeContributor

Cardholders can receive a $99 companion fare (plus taxes and fees from $23) plus 60,000 bonus miles after spending $3,000 or more within the first 90 days of opening your account..

Getting the most out of your Alaska Airlines Visa Signature® Credit Card is easy. Use your card to earn 3 miles per dollar on eligible Alaska Airlines purchases, 2 miles per dollar spent on eligible gas, EV charging station, local transit, ride-hailing, cable and select streaming services purchases, and 1 mile for every dollar on other purchases with no mileage limit.

60,000.

Miles can be redeemed for flights on Alaska Airlines or its airline partners, for hotel stays with Alaska Airlines Hotels, or for magazine subscriptions through the Magazines for Miles program.

Best in Airline and Rewards Credit Cards

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Rewards
2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Discover it® Miles

Discover it® Miles
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the Miles you’ve earned at the end of your first year.
Rewards
1.5X Miles on every dollar of every purchase
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

With an annual fee of $95, the Chase Sapphire Preferred® Card is a good alternative for those looking for a more well-rounded travel credit card. Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Points can be redeemed flexibly with Chase Travel℠ for travel, cash back, gift cards and more, or transferred to Chase travel partners, including airlines and hotels.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD TD Cash Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

TD Cash Credit Card

Terms Apply

The information for the TD Cash Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

TD Cash Credit Card

Annual Fee

$0

Rewards Rate

3% Cash back on dining

Pros

  • Earns 3% and 2% in everyday spending categories you choose.

  • You’ll get $200 cash bonus when you spend $500 within the first 90 days of opening an account.

  • $0 annual fee.

Cons

  • There’s no introductory APR for purchases.

  • You’ll pay a 3% fee for foreign transactions.

  • You can only change rewards categories quarterly.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The TD Cash Credit Card offers flexible cash back, allowing you to select your 3% and 2% spending categories each quarter from dining, entertainment, gas, grocery stores and travel. All other purchases earn 1% cash back. When you sign up for the card, you can earn a $200 cash bonus after spending $500 within the first 90 days of opening an account.

There’s no annual fee, and you can get a 15-month 0% introductory annual percentage rate on balance transfers. The card offers benefits including cellphone protection, extended warranty protection and purchase security.

  • Issuer NameTD Bank
  • Annual Fee$0
  • Regular APR19.74%, 24.74% or 29.74%
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3%

Yes, if you:

  • Want to earn cash back with no annual fee
  • Can use the 15-month 0% introductory annual percentage rate on balance transfers
  • Can plan your quarterly spending to match the highest-earning rewards categories

Aligning your cash back earning with your top spending categories is a great way to make the most out of the TD Cash Credit Card. Each quarter, you can choose your 3% and 2% spending categories each quarter from dining, entertainment, gas, grocery stores and travel. All other purchases earn 1% cash back. It can pay off if you know where you’ll spend the most in that quarter and select the right categories to earn elevated cash back.

Earning the $200 cash bonus is another way to get value out of this card. You’ll need to spend $500 within the first 90 days of opening an account to get the bonus.

If you plan to use the 15-month 0% introductory annual percentage rate on balance transfers, do the math to make sure you can pay off your balance before the introductory rate expires. You can just divide the balance by 15 to calculate how much you’ll need to pay each month to clear the balance in time.

With cardholder protections, it can make sense to use the TD Cash Credit Card for purchases you’d like to protect. For example, if you pay your monthly cellphone bill with the TD Cash Credit Card, you’ll get cellphone protection that provides reimbursement if your phone is stolen or damaged. The card also offers extended warranty protection up to one year, so you can use this card to purchase items you’d like an additional warranty on.

Editor's Take

The TD Cash Credit Card offers value if you can map out your spending each quarter and want to take advantage of the cardholder protections. These cardholder benefits are good for a card with no annual fee.

This card is helpful if you need to pay off high-interest debt, as you can use the 15. Also, the sign-up bonus can give you a quick $200 cash bonus after you spend $500 within the first 90 days of opening an account.

While it’s nice to customize your cash back earnings each quarter, the Citi Custom Cash® Card does it more seamlessly than the TD Cash Credit Card. With the Citi Custom Cash® Card, you'll automatically earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter with no annual fee. (See Rates & Fees)

Jessica MerrittContributor

You can earn $200 cash bonus when you spend $500 within the first 90 days of opening an account.

The fastest way to earn rewards with the TD Cash Credit Card is with the sign-up bonus, which requires spending $500 within the first 90 days of opening an account to get $200 cash bonus. Each quarter, you’ll choose your 3% and 2% spending categories each quarter from dining, entertainment, gas, grocery stores and travel. All other purchases earn 1% cash back. It’s helpful to know which of the five bonus categories you’re likely to spend the most in each quarter, so consider your expenses and any forthcoming big-ticket purchases before you select your categories.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Custom Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Custom Cash® Card

If you want to earn elevated rewards on your top spending category, but don’t want to have to strategize about it, the Citi Custom Cash® Card offers the ability to earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter, but you don’t have to enroll, and it can change each month. This card also offers a $200 cash back bonus, though you’ll earn the sign-up bonus after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

While the TD Cash Credit Card offers 15-month 0% introductory annual percentage rate on balance transfers, the Citi Custom Cash® Card can give you an intro APR for 0% for 15 months on purchases and balance transfers. Neither card has an annual fee. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Cash+ Visa Signature Card 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Cash+ Visa Signature Card
Rates and Fees

Terms Apply

More Info

The information for the U.S. Bank Cash+® Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

U.S. Bank Cash+ Visa Signature Card

Earn up to 5% cash back with no annual fee.

Credit Needed

Excellent Credit

Annual Fee

$0

Pros

  • Earn up to 5% cash back on qualifying categories.

  • You won’t pay an annual fee.

  • The 15-month 0% introductory annual percentage rate on purchases and balance transfers for the first 15 billing cycles, then a 19.49% to 29.74% APR applies thereafter. can help you save on interest charges.

Cons

  • Rewards come with a lot of limitations.

  • You must actively plan your spending to get the most rewards from higher tier cash back categories.

  • You may pay a high APR after the 0% APR period expires.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank Cash+ Visa Signature Card earns 5% cash back on the first $2,000 spent in combined eligible purchases each quarter on two qualifying categories of your choice. You can also earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one qualifying everyday category such as gas stations or grocery stores and 1% cash back on all other purchases. You can earn a $200 cash back bonus when you spend $1,000 within the first 90 days of opening an account.

For the first 15 billing cycles, you can use a 0% introductory annual percentage rate on purchases and balance transfers for the first 15 billing cycles, then a 19.49% to 29.74% APR applies thereafter.. There’s no annual fee.

  • Issuer NameU.S. Bank
  • Credit NeededExcellent Credit
  • Annual Fee$0
  • Regular APR18.99% to 29.24% Variable APR
  • Penalty APRNone
  • Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • Cash Advance FeeEither 5% of the amount of each advance or $10 minimum, whichever is greater.
  • Foreign Transaction Fee3% of each foreign transaction

Yes, if you:

  • Frequently spend in the 5% cash back rewards categories you choose.
  • Want to earn rewards with no annual fee.
  • Can take advantage of the 15-month 0% introductory annual percentage rate on purchases and balance transfers for the first 15 billing cycles, then a 19.49% to 29.74% APR applies thereafter..

The U.S. Bank Cash+ Visa Signature Card offers up to 5% cash back on qualifying purchases, but you’ll need to understand how it works to make the most of these rewards. Be sure you select 5% cash back categories where you’ll spend the most each quarter. It’s also good to earn the card’s $200 cash back bonus after you spend $1,000 within the first 90 days of opening an account.

If you need to pay down debt or pay off a purchase over a year, you can use the card’s 15-month 0% APR on purchases and balance transfers.

Editor's Take

With no annual fee and a 15-month 0% introductory annual percentage rate on purchases and balance transfers for the first 15 billing cycles, then a 19.49% to 29.74% APR applies thereafter., this card can offer savings and rewards earnings. Just be sure to pay off your balance before interest applies.

Earning 5% cash back on qualifying prepaid travel booked in the Rewards Travel Center is a good deal if you can make those bookings. It’s also nice to earn 5% cash back on the first $2,000 spent in combined eligible purchases each quarter on two qualifying categories of your choice, though it can be tricky to choose the right categories and monitor your spending for the maximum cash back.

Jessica MerrittContributor

New cardholders of the U.S. Bank Cash+ Visa Signature Card earn $200 cash back bonus after spending $1,000 within the first 90 days of opening an account.

The fastest way to earn rewards with the U.S. Bank Cash+ Visa Signature Card is to earn the sign-up bonus. You’ll get $200 cash back bonus after you spend $1,000 within the first 90 days of opening an account. You can also earn an unlimited 5% cash back on prepaid air, car and hotel reservations in the Rewards Travel Center.

Another way to earn a high amount of cash back is to choose two categories per quarter to earn 5% cash back on the first $2,000 spent in combined eligible purchases each quarter on two qualifying categories of your choice. There are many qualifying 5% categories: fast food, home utilities, TV, internet and streaming, department stores, cellphones, electronics stores, sporting goods stores, furniture stores, movie theaters, ground transportation, gyms and fitness centers and select clothing stores. Keep in mind that while there are multiple options, you can only earn 5% cash back on two selected categories each quarter.

You’ll also earn 2% cash back on one everyday category. You can choose among grocery stores and grocery delivery, restaurants, and gas and EV charging stations. All other purchases earn 1% cash back.

Cash back can be redeemed as a statement credit or direct deposit to a U.S. Bank savings, checking our money market account. It’s important to note that rewards expire 36 months after the billing cycle when they were earned.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Cash Back

The Discover it® Cash Back is similar to the U.S. Bank Cash+ Visa Signature Card, as cardholders can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Like the U.S. Bank Cash+ Visa Signature Card, Discover it® Cash Back offers 0% intro APR for 15 months on purchases and balance transfers. A 18.49% to 27.49% variable APR applies after the intro period. There’s similarly no annual fee.

The big difference is in Discover it® Cash Back’s cashback match: Discover will match all the cash back you’ve earned at the end of your first year. Depending on how much you earn in the first year, that bonus could be greater than the $200 cash back the U.S. Bank Cash+ Visa Signature Card offers. And while rewards expire 36 months after earning them with the U.S. Bank Cash+ Visa Signature Card, they never expire with Discover it® Cash Back as long as your account remains open. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Discover it Chrome Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Discover it® Chrome
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Chrome

This card offers a good cash back rate on its bonus categories and has $0 an annual fee, but the low bonus rewards cap limits its earning potential.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Rewards Rate

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter automatically

Pros

  • $0 annual fee.

  • Cardholders earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

  • A 0% intro APR for 6 months.

Cons

  • Bonus category earnings are capped each quarter.

  • The rewards rate is low compared to similar cards.

  • Discover has a lower international acceptance rate than Visa or Mastercard.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Discover it® Chrome is a cash back rewards credit card allowing you to earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. In addition, Discover will match all the cash back you’ve earned at the end of your first year.

With Discover it® Chrome, you get a 0% intro APR for 6 months, then a 18.49% to 27.49% variable APR applies. Cardholder benefits include free monthly FICO® credit score access and the ability to freeze your account if your card is lost or stolen.

  • Issuer NameDiscover
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR18.49% - 27.49% Variable APR
  • Purchases Intro APR0% Intro APR for 6 months
  • Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On Discover's Website.

Rates & Fees

Yes, if you:

  • Spend about $1,000 every three months at restaurants and gas stations.
  • Want a 0% intro APR for 6 months.
  • Don't want to pay an annual fee.

Unlike other Discover cards such as the Discover it® Cash Back, the Discover it® Chrome doesn’t have 5% rotating categories you have to opt in to each quarter. Instead, the Discover it® Chrome offers you the ability to earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases .

To best take advantage of the card's rewards structure, use the Discover it® Chrome when you make purchases at gas stations and restaurants. Although the card is low risk since there is no annual fee, there may be better options for no-annual-fee rewards cards with more ways to earn.

Editor's Take

The Discover it® Chrome is a decent option for a $0 annual fee card that earns cash back on frequent purchases. The Cashback Match at the end of your first year and 0% intro APR for 6 months make the card even more enticing. However, the Discover it® Chrome’s rewards max out at 2% cash back at restaurants and gas stations, and those rewards are capped at $1,000 each quarter.

Other no-annual-fee cards such as the Wells Fargo Active Cash® Card earn unlimited 2% cash rewards on purchases. The Discover it® Cash Back has a $0 annual fee and offers the ability to earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

If you're just looking for a card to earn cash back at restaurants and gas stations, the Discover it® Chrome makes it easy to earn and redeem. You should consider alternatives that earn unlimited 1.5% or 2% cash back rewards if you're looking for a card that’ll maximize rewards on everyday purchases.

Austin ColeContributor

Discover will match all the cash back you’ve earned at the end of your first year.

The Discover it® Chrome earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. Discover will match all the cash back you’ve earned at the end of your first year.

There are various ways to redeem the cash back you've earned. You can receive it as a statement credit or a direct deposit to your bank account. Your cash back rewards never expire.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

The Chase Freedom Unlimited® card offers 5% cash back on travel purchases with Chase Travel℠, 3% cash back at restaurants and drugstores and 1.5% cash back on all other purchases. All cash back earnings are unlimited. It also offers a 0% intro APR on purchases for 15 months, then a 19.74% to 28.49% variable APR applies.

Although you can double your cash back earned with the Discover it® Chrome card, you have to wait a full year to receive your bonus. The Chase Freedom Unlimited® offers an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Prime Visa Credit Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Prime Visa

Terms Apply

Apply Now

On Chase's Website.

Terms Apply

Prime Visa

You can earn a high rate of cash back on online purchases and Whole Foods groceries, but you need to have an Amazon Prime membership to maximize the card’s value.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members

Rewards Rate

5X back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.

Pros

  • For Prime members, the card offers an unlimited high rate on competitive categories, led by Amazon and Whole Foods purchases.

  • You get your sign-up bonus immediately upon card approval.

  • There is no foreign transaction fee, and the card offers other travel benefits, including travel accident insurance, roadside dispatch and baggage delay.

Cons

  • Only Amazon Prime members qualify for this card and get higher rates for top-earning categories.

  • Like many rewards cards, the Prime Visa has a relatively high interest rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Prime Visa, issued by Chase Bank, is a rewarding choice for Prime members. It offers earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. You’ll also earn bonus points on dining, gas and transit purchases.

While the rewards can be top-notch for the right spenders, you must have a Prime membership, which costs $139 per year, to get the most earning power from the card.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR19.74% - 28.49% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 4% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $5 or 4% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Are a Prime member and shop on Amazon.com.
  • Grocery shop at Whole Foods.
  • Want to take advantage of special payment plans for Amazon purchases.

Apply for the card while the $150 instant bonus offer is in effect, and set it as your default payment method on Amazon.com so you always earn 5% back on your purchases there. There’s no annual fee, so there’s really no downside to getting this card if you’re an avid Prime shopper. This card offers extended warranty protection and purchase protection, so you can extend the warranty on Amazon purchases by an additional year and cover your purchases for 120 days against damage and theft.

Editor's Take

If you’re on a first-name basis with the Amazon delivery drivers in your area, you’re a prime candidate for the Prime Visa. You won’t find a card with a better year-round, unlimited rewards rate on Amazon purchases, and that extends to Whole Foods, as well. The bonus points on gas, at restaurants, and for local transit and commuting also make it a worthy everyday spending card for your wallet. Just be mindful that if you select the option for 0% financing on eligible Amazon purchases, you won’t earn rewards.

Dawn PapandreaContributor

Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.

The Prime Visa offers plenty of great opportunities to earn rewards. For starters, you can earn earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. You’ll earn earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). All other purchases earn earn unlimited 1% on all other purchases.

These rates are pretty generous, especially since there are no caps on earnings. You can maximize earning potential by shifting your purchases to Whole Foods and Amazon, if it works for your budget and location.

You can redeem rewards as cash back, for Amazon purchases or for other redemptions via Chase.com, including cash back, travel or gift cards. Your rewards don't expire.

The information for the Bank of America® Customized Cash Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

If your everyday spending trends beyond Amazon, consider the Blue Cash Everyday® Card from American Express. It offers 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. Unlike the Blue Cash Everyday® Card from American Express, the Prime Visa rewards are unlimited.

You can also earn a $200 statement credit with the Blue Cash Everyday® Card from American Express after you spend $2,000 in purchases on your new Card within the first 6 months, unlike the Prime Visa that offers an instant bonus. The Blue Cash Everyday® Card from American Express also has an introductory APR of 0% on purchases for 15 months and 0% on balance transfers for 15 months. After that, an ongoing APR of 18.49% to 29.49% variable applies.

Unlike the Prime Visa, you can still earn rewards while using the promotional APR. The Prime Visa offers a few more travel benefits and no foreign transaction fee, which makes it a better choice for travelers than the Blue Cash Everyday® Card from American Express.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Discover it Student Cash Back Review| U.S. News
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Discover it® Student Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Student Cash Back

This is a good card for students building credit who want to earn rewards, though you'll have to wait a year for Discover's cash back match to kick in.

Credit Needed

Fair, New to Credit

Annual Fee

$0

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Rewards Rate

5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

Pros

  • Earns cash back on spending categories that rotate each quarter.

  • Matches all the cash back you earn at the end of your first year as a cardholder.

  • There's a 0% intro APR for 6 months, then a 17.49% to 26.49% variable APR.

Cons

  • Pays a low 1% rewards rate on most purchases.

  • Caps quarterly bonus rewards.

  • You must activate bonus categories each quarter to earn 5% back.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Discover it® Student Cash Back card is designed for students who want to earn cash back rewards while building credit. You can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Also, Discover will match all the cash back you’ve earned at the end of your first year.

Cardholders receive free FICO® credit score access and can use Discover's Freeze it® tool – an on-off switch for the account – if the card is lost or stolen.

  • Issuer NameDiscover
  • Credit NeededFair, New to Credit
  • Annual Fee$0
  • Regular APR17.49% - 26.49% Variable APR
  • Purchases Intro APR0% Intro APR for 6 months
  • Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On Discover's Website.

Rates & Fees

Yes, if you are:

  • A student who wants to earn rewards for purchases.
  • A student who doesn't want to pay an annual fee.
  • A student looking to build credit.

The Discover it® Student Cash Back card's rotating bonus categories can be a great way to earn cash back on everyday purchases at gas stations, Target, Amazon.com and more. Just make sure you know when your quarterly activation period is. Otherwise, you could miss out on that quarter's high-earning bonus reward.

With the Discover it® Student Cash Back, Discover will match all the cash back you’ve earned at the end of your first year. That means if you earned $150 in cash back your first year, for example, you'll actually end up with $300.

The Discover it® Student Cash Back card offers a 0% intro APR for 6 months. Following the introductory period, a 17.49% to 26.49% variable APR will apply.

  • Follow the 5% cash back calendar on Discover's website to maximize your reward earnings.
  • Make any large purchases you may need during the first year of card ownership to take advantage of Discover's cash back match.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Student Chrome
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Student Chrome

Discover it® Student Chrome could be a good alternative to Discover it® Student Cash Back. While both cards have similar qualification requirements and no annual fee, Discover it® Student Chrome offers you the ability to earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Discover it® Student Chrome may be better for students who drive frequently or dine out and don't want to keep up with rotating bonus categories.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Indigo Platinum Mastercard Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Indigo® Platinum Mastercard®

Terms Apply

The information for the Indigo® Platinum Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Indigo® Platinum Mastercard®

The Indigo® Platinum Mastercard® is an unsecured credit card designed to help people with bad to fair credit build a better credit history.

Credit Needed

Bad/Poor

Annual Fee

$175 annual fee in the first year and $49 after

Pros

  • Cardholders can see if they prequalify with a soft credit pull before committing to an application.

  • You don't have to pay a security deposit.

  • The card reports monthly payments to all three credit bureaus.

Cons

  • You may have to pay an annual fee.

  • There's a 35.9% APR and no 0% introductory offer on purchases or balance transfers.

  • You won't earn rewards or get cardholder benefits.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

A no-frills unsecured credit card, the Indigo® Platinum Mastercard® can help you access credit and build or rebuild your credit history. It doesn't offer rewards, benefits or a 0% introductory annual percentage rate, but it does allow you to open an unsecured credit card with a bad or fair credit history without having to pay a security deposit.

Potential cardholders can prequalify for the card to find out if you're likely to be approved with no impact on your credit score.

While you don't have to pay a security deposit to open the account, you may have to pay up to a $175 annual fee in the first year and $49 after. With the card's 35.9% APR, it's best to avoid carrying a balance month to month.

  • Issuer NameGenesis FS Card Services
  • Credit NeededBad/Poor
  • Annual Fee$175 annual fee in the first year and $49 after
  • Regular APR35.9%
  • Penalty APRNone
  • Balance Transfer FeeSee Terms

Yes, if you:

  • Have bad or fair credit and need access to a credit card.
  • Don't want to pay a security deposit.
  • Are willing to pay an annual fee to have an unsecured credit card.

The Indigo® Platinum Mastercard® is a credit-building card, so you should focus your efforts on using credit responsibly when you open this credit card. Make small purchases – or only as much as you know you can afford to pay – and then pay your balance in full and on time each month. This card reports to all three credit bureaus, so having low credit utilization paired with on-time payments each month can help you boost your credit score.

Because this credit card has a 35.9% APR, it's costly to carry a balance and is best avoided. You should also consider whether this is a card you want to use long term, because you'll have to pay an annual fee.

If your account requires an annual fee, consider this card strictly for credit-building and plan to make all payments on time. After the first year, before your next annual fee hits, reassess whether it's worth it to keep this card. You might contact the issuer to negotiate a waived annual fee or decide that your credit has improved enough that you no longer need to keep the card open. However, closing the account could affect your credit rating, as it could shorten your credit history if the card is your oldest account.

Editor's Take

While the Indigo® Platinum Mastercard® may appeal to people with bad or fair credit who want to avoid paying a security deposit, it's not a good long-term choice if you have to pay an annual fee. You might be better served with a secured credit card that refunds your security deposit and doesn't charge an annual fee.

The Indigo® Platinum Mastercard® has a $175 annual fee in the first year and $49 after. If you get approved for the no-annual-fee Indigo® Platinum Mastercard®, great. But if you don't, the annual fee could be greater than a one-time refundable security deposit you'd pay with other cards.

For example, the security deposit on the Capital One Platinum Secured Credit Card can be as low as $49. With responsible use, you could get your deposit back and upgrade to a standard unsecured credit card.

Jessica MerrittContributor

The Indigo® Platinum Mastercard® doesn't provide welcome offers.

The card doesn't offer rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card may be a better long-term choice than the Indigo® Platinum Mastercard®. While you'll have to pay a security deposit of $49, $99 or $200 depending on your credit rating, that deposit is refundable. In as little as six months, you could be considered for a higher credit line. With responsible use, your account could be upgraded to an unsecured card, plus you'll get your security deposit back.

With a $0 annual fee, you can hold the Capital One Platinum Secured Credit Card indefinitely. That's a good move for your credit history, as keeping accounts open helps maintain a long credit history that creditors like to see. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD United Club℠ Infinite Card | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

United Club℠ Infinite Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

United Club℠ Infinite Card

Frequent flyers of United Airlines can get airport lounge access and 4 miles per dollar spent with United Airlines.

Credit Needed

Excellent

Annual Fee

$525

Intro Offer

Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Rewards Rate

4x Miles on United® purchases

Pros

  • Includes a United Club membership, offering worldwide airport lounge access.

  • Earns 4 miles per dollar spent on United purchases.

  • Offers travel benefits, including two free checked bags for you and a companion each trip.

Cons

  • There's a $525 annual fee.

  • Cardholders don't get a 0% introductory annual percentage rate.

  • The spending threshold to get the welcome bonus is higher than some other cards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The United Club℠ Infinite Card is an airline credit card that comes with a United Club membership and offers cardholders two free checked bags on every flight. Cardholders can 4x miles on United® purchases, 2x miles on all other travel and dining and 1x mile on all other purchases. While the benefits are steep, so is the $525 annual fee.

  • Issuer NameChase
  • Credit NeededExcellent
  • Annual Fee$525
  • Regular APR21.24% - 28.24% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Fly frequently with United Airlines.
  • Can use the card's lounge access, checked bags and statement credits.
  • Will pay your balance in full each month to avoid interest charges.

The United Club℠ Infinite Card is a heavy hitter for benefits, but only worth it if you take advantage of them. Plan to make the most of your United Club lounge access when you fly with United, and use your free checked bags for you and a traveling companion. You'll also get a statement credit up to $120 when you use your card to pay for Global Entry, TSA PreCheck or NEXUS application fees every four years. And when you make food, beverage or Wi-Fi purchases on United-operated flights or purchase United Club premium drinks, you'll get 25% back as a statement credit.

Editor's Take

Travelers who frequently fly United Airlines can make the most of the United Club℠ Infinite Card. The United Airlines benefits and rewards can offer savings every time you travel, whether you're enjoying complimentary food and drinks at a United Club before you take off, checking in free bags or earning 4 miles per dollar on your flight purchase. Those miles can then be redeemed to save on future flights.

Still, you'll need to do the math on how much you travel with United Airlines. If you don't travel more than a few times a year or you aren't particularly loyal to United Airlines, you might be better served by a card with a lower annual fee or more flexibility. For example, you could take the next step down to the United℠ Explorer Card, which has a $0 intro annual fee for the first year, then $95, but still offers United Airlines benefits and rewards. If you're fine with a high annual fee but want more flexibility, Chase Sapphire Reserve® can give you lounge access, travel credits and more ways to earn rewards – which you can transfer to travel partners, including United Airlines.

Jessica MerrittContributor

Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, so you should plan to open this card when you can meet that minimum spending requirement. It's also a no-brainer to use this card on United Airlines purchases, as you'll earn 4 miles per dollar spent on flights and in-flight purchases such as food and Wi-Fi. This card also earns solid rewards on travel and dining at 2 miles per dollar.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Reserve®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Reserve®

The United Club℠ Infinite Card can offer a lot of value if you fly often with United Airlines, but Chase Sapphire Reserve® has greater flexibility with premium travel benefits. Chase Sapphire Reserve®'s $550 annual fee is similar to that of United Club℠ Infinite Card's $525 annual fee. But Chase Sapphire Reserve®'s $300 annual travel credit shaves off more than half of the annual fee cost every year. Cardholders get complimentary airport lounge access to more than 1,300 locations worldwide, including up to two guests. Chase Sapphire Reserve® earns 10 points per dollar on Chase Dining on Chase Travel℠, three points per dollar on dining and travel and one point per dollar on everything else. You can also get 10 points per dollar on hotels and five points per dollar on travel booked through Chase Travel℠ after spending $300 in annual travel purchases. Chase Travel℠ can be redeemed flexibly and transfer to travel partners such as United Airlines.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Real Rewards credit card by American Eagle and Aerie 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Real Rewards® Credit Card by American Eagle and Aerie
Rates and Fees

Terms Apply

The information for Real Rewards® Credit Card by American Eagle and Aerie has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Real Rewards® Credit Card by American Eagle and Aerie

Earn bonus points and unlock discounts at American Eagle and Aerie stores with the Real Rewards® Credit Card by American Eagle and Aerie.

Annual Fee

$0

Rewards Rate

60x points per dollar on American Eagle and Aerie jeans purchases

Pros

  • Earn up to 60 points per dollar on American Eagle and Aerie jeans purchases.

  • Access exclusive sales and discounts, including a $5 birthday reward.

  • Get free shipping and returns.

Cons

  • Rewards are issued as a discount certificate only good for 60 days.

  • You can't earn cash back.

  • There's a 34.99% variable APR annual percentage rate and no 0% introductory APR offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Real Rewards® Credit Card by American Eagle and Aerie can accelerate your points earning at American Eagle and Aerie stores with doubled points on all purchases. Level 2 Real Rewards members earn 15 points per dollar spent. With the Real Rewards® Credit Card by American Eagle and Aerie, you'll get automatic Level 2 status and earn 30 points per dollar. That's doubled on jeans, which earn a total of 60 points per dollar for Real Rewards cardholders. For every 1,250 points you earn, you receive a $5 reward.

Cardholders also get perks, including free shipping and returns, exclusive sales and events and a "pick your own sale day" offer issued annually. When you open the card, you'll get 20% off your first American Eagle or Aerie purchase.

  • Issuer NameSynchrony Bank
  • Annual Fee$0
  • Regular APR34.99% Variable APR
  • Penalty APRUp to 39.99% Variable APR
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3% of each transaction in U.S. dollars

Yes, if you:

  • Frequently make purchases with American Eagle or Aerie, especially jeans.
  • Can pay your balance in full each month.
  • Will use reward certificates before they expire.

There's no sign-up bonus with the Real Rewards® Credit Card by American Eagle and Aerie, but you'll get 20% off your first purchase, so it makes sense to open the card when you plan to make a large purchase with American Eagle or Aerie. With free shipping and returns, you can shop easily online.

The Real Rewards® Credit Card by American Eagle and Aerie earns the highest rewards rate on jeans purchases, so you should use this card when you need a new pair of jeans from American Eagle or Aerie. However, the rewards are automatically redeemed as discount certificates that expire after 60 days, so you'll need to stay on top of redemptions to not miss out on the value.

Editor's Take

The Real Rewards® Credit Card by American Eagle and Aerie can be a good choice if you frequently shop at American Eagle or Aerie, especially for jeans. The free shipping and returns, exclusive discounts and easy-to-earn rewards can save you money on apparel.

However, you'll need to redeem your rewards certificates before expiration, and you can't get cash back – only discounts on purchases with American Eagle or Aerie. Also, keep in mind that the card has a 34.99% variable APR APR with no 0% introductory period, so you'll need to pay off your balance each month to avoid interest charges. It's not worth earning rewards if you'll pay more interest than you earn in discounts.

Jessica MerrittContributor

You won't get a sign-up bonus with the Real Rewards® Credit Card by American Eagle and Aerie, but you will get a 20% off your first purchase made with the card.

The Real Rewards® Credit Card by American Eagle and Aerie earns at least 30 points per dollar on American Eagle and Aerie purchases — 15 points per dollar with automatic Level 2 status, which is then doubled for cardholders. Buy jeans, and you'll get quadruple points as a cardholder for a total of 60 points per dollar. In addition to points earned on American Eagle and Aerie purchases, the card earns five points per dollar on all other purchases.

The information for the Macy's American Express® Card and the Kohl's Credit Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Retail Store Credit Cards
Kohl's Credit Card

Terms Apply

More Info
Read More

The information for the Kohl's Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Kohl's Credit Card

The Kohl's Credit Card is another retail credit card that offers 7.5% rewards for every dollar you spend at Kohl's. New cardholders can get 35% off your first Kohl's purchase when you use your card as well as exclusive discounts. Though you'll get free shipping automatically with the Real Rewards® Credit Card by American Eagle and Aerie on American Eagle and Aerie purchases, Kohl's Credit Cardholders must spend $600 annually to get monthly free shipping opportunities.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD USAA Cashback Rewards Plus American Express Review | U.S. News
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

USAA® Cashback Rewards Plus American Express® Card

Terms Apply

The information for the USAA® Cashback Rewards Plus American Express® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

USAA® Cashback Rewards Plus American Express® Card

The USAA® Cashback Rewards Plus American Express® Card offers everyday cash back bonus opportunities with no annual fee.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

5% Cash back on your first $3,000 in combined gas and military base purchases annually

Pros

  • $0 annual fee, no over-the-credit limit fee, or foreign transaction fee.

  • Earn bonus cash back on qualifying purchases at gas stations, grocery stores and military bases.

  • Travel benefits like auto rental coverage, travel accident insurance and more.

Cons

  • Potentially high regular APR.

  • Only available to military members and their families.

  • Bonus rewards are capped annually.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The USAA® Cashback Rewards Plus American Express® Card gives you 5% cash back on your first $3,000 in combined gas station and military base purchases yearly, 2% cash back on your first $3,000 in grocery purchases yearly and unlimited 1% cash back on other purchases. There is a $0 annual fee, no over-the-credit-limit fee or foreign transaction fee.

  • Issuer NameUSAA
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR17.15% to 31.15% variable
  • Penalty APRNone
  • Balance Transfer Fee5% of each transaction amount
  • Cash Advance Fee3% of the amount of each cash advance

Yes, if you:

  • Are a USAA banking customer.
  • Spend at least $3,000 annually on purchases at gas stations and military bases.
  • Can benefit from an introductory APR on balance transfers.

The USAA® Cashback Rewards Plus American Express® Card is a solid option for military members and their families since cardholders can earn 5% cash back on your first $3,000 in combined gas station and military base purchases yearly. You can also use the card to make travel bookings. While it only earns 1% cash back on those purchases, you'll get travel protections like auto rental coverage, travel accident insurance, trip cancellation and interruption coverage and baggage delay and reimbursement.

Earning 5% cash back at gas stations is almost unheard of among credit cards, especially those with a $0 annual fee. However, the card's lack of bonus earnings in other common spending categories and capped bonus rewards on grocery store purchases means you'd be best suited to pair this card with at least one other cash back card. Consider pairing the USAA® Cashback Rewards Plus American Express® Card with a card like the Capital One Savor Cash Rewards Credit Card, which earns unlimited 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 8% Cash Back on Capital One Entertainment purchases. 1% Cash Back on all other purchases.

Editor's Take

The USAA® Cashback Rewards Plus American Express® Card provides good value for military members and their families – particularly those who live on a military base – and comes at little risk with no annual fee. However, the annual cap in the bonus categories and lack of bonus earnings in some common spending categories means this card comes up short.

USAA offers a flat rate cash back card with the USAA® Preferred Cash Rewards Visa Signature® Card, which offers unlimited 1.5% cash back on all purchases and has a $0 annual fee. If you're willing to diverge from USAA, another option is the Wells Fargo Active Cash® Card, which allows cardholders to earn unlimited 2% cash rewards on purchases.

If you're looking for a cash back card that comes with bonus earnings, the Citi Custom Cash® Card allows cardholders to earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. That means you'll earn 5% cash back wherever you spend the most, not just gas stations or military bases.

Austin ColeContributor

This card does not have a welcome offer.

The USAA® Cashback Rewards Plus American Express® Card earns 5% cash back on your first $3,000 in combined gas station and military base purchases yearly, 2% cash back on your first $3,000 in grocery purchases yearly and unlimited 1% cash back on other purchases. Focus your spending in the bonus categories to maximize the cash back you earn. Remember, once you've spent $3,000 annually in the bonus categories, you'll only receive 1% cash back for all purchases thereafter.

Track your earnings in your account by accessing the USAA Rewards Center or the mobile app. Cash back earnings are usually available within five business days from the time your qualifying purchase posts to your account.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express has a $0 annual fee and earns 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. There's an introductory APR of 0% on balance transfers for 15 months and 0% on purchases for 15 months, after that, an ongoing APR of 18.49% to 29.49% variable applies. New cardmembers can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD American Airlines AAdvantage MileUp℠ Card | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

American Airlines AAdvantage® MileUp®

Terms Apply

More Info

The information for the American Airlines AAdvantage® MileUp® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

American Airlines AAdvantage® MileUp®

The American Airlines AAdvantage® MileUp® might be a good fit if you’re a fee-averse frequent flyer of American Airlines.

Annual Fee

$0

Intro Offer

Earn 15,000 American Airlines AAdvantage® bonus miles after spending $500 in purchases within the first 3 months of account opening.

Pros

  • $0 annual fee.

  • You’ll earn 15,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening.

  • Cardholders get a 25% discount on in-flight food and beverage purchases on American Airlines flights.

Cons

  • Rewards redemption is limited to American Airlines and its partners.

  • You’ll pay a 3% fee for foreign transactions.

  • Lacks airline perks for cardholders beyond the in-flight discount.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The American Airlines AAdvantage® MileUp® is a travel rewards credit card designed for American Airlines frequent flyers. The card has no annual fee, and cardholders can earn unlimited miles.

You’ll earn 15,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening. Cardholders earn 2 miles for every $1 spent at grocery stores and on eligible American Airlines purchases. Earn 1 mile for every $1 spent on other purchases.

  • Issuer NameCiti
  • Annual Fee$0
  • Regular APR20.49% - 29.49% Variable APR
  • Penalty APR29.99% Variable
  • Balance Transfer Feeeither $5 or 5% of the amount of each transfer, whichever is greater
  • Foreign Transaction Fee3%

Yes, if you:

  • Want to earn American Airlines rewards with no annual fee.
  • Only plan to use the card in the U.S., as it has a 3% foreign transaction fee.
  • Don’t need airline perks such as priority boarding or free checked bags.

If you fly frequently with American Airlines, you can earn 2 miles per dollar on all American Airlines purchases using the American Airlines AAdvantage® MileUp® card. It also earns earn 2 miles for every $1 spent at grocery stores and 1 mile per dollar on all other purchases. Before you open the card, plan to earn 15,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening.

This card has no annual fee, so you can earn unlimited miles without needing to offset the fee. With no annual fee, the airline perks are limited, but you can get 25% savings on in-flight food and beverage purchases using the card.

Editor's Take

Fee- averse frequent flyers of American Airlines can use the American Airlines AAdvantage® MileUp® card to save money on flights and earn miles. You can earn miles at a higher rate and get more airline perks from other credit cards, but they may have an annual fee. The American Airlines AAdvantage® MileUp® offers an easy way to earn unlimited miles with no risk.

If you’re seeking more rewards-earning options and airline benefits, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® may offer you more value since you'll 2 miles for every dollar spent at restaurants, gas stations and on all eligible purchases with American Airlines, plus priority boarding and free checked bags. However, it has an annual fee of $99, which is waived for the first year.

Jessica MerrittContributor

New cardholders earn 15,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of account opening.

Spending $500 within the first three months will put you on the fast track with 15,000 bonus points. After that, you this card to earn 2 miles per dollar on all American Airlines purchases. You can also earn 2 miles for every $1 spent at grocery stores.

Miles can be redeemed for travel with American Airlines and its partners, including flights, seat upgrades, car rentals, hotels, vacations and Admirals Club access.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Terms Apply

Annual Fee
$99, which is waived for the first year
Regular APR
20.49% - 29.49% (Variable)
Intro Offer
For a limited time earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening.
Rewards
2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.
Read More

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

United Gateway℠ Card

United Gateway℠ Card

Terms Apply

Annual Fee
$0
Regular APR
21.24% - 28.24% Variable
Intro Offer
Limited- time Offer: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
Rewards
2x Miles on United® purchases, at gas stations, and on local transit and commuting
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Terms Apply

More Info
Read More

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is the next step up in American Airlines cards. It has an annual fee of $99, which is waived for the first year. While it has an annual fee, it offers greater rewards and benefits to cardholders than the American Airlines AAdvantage® MileUp®.

New cardholders 50,000 American Airlines AAdvantage® bonus miles $2,500 in the first three months of opening the account. You’ll get travel benefits, including a free first checked bag on domestic flights for you and up to four travel companions on the same reservation, preferred boarding and 25% savings on in-flight food and beverages. Cardholders earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases. There are also no foreign transaction fees.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Visa Platinum Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Visa® Platinum Card
Rates and Fees

Terms Apply

More Info

The information for the U.S. Bank Visa® Platinum Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

U.S. Bank Visa® Platinum Card

Annual Fee

$0

Pros

  • The U.S. Bank Visa® Platinum Card offers 0% intro APR on purchases and balance transfers for 21 billing cycles.

  • Cardholders get up to $600 in cell phone protection, covering loss or damage, if you pay your cellphone bill with the card.

  • $0 annual fee.

Cons

  • The card doesn’t have a rewards program.

  • There is a potentially high APR after the introductory promotion.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank Visa® Platinum Card provides one of the longest 0% introductory annual percentage rate promotions on the market. You'll get 0% intro APR on purchases and balance transfers for 21 billing cycles After that, the APR is 18.24% to 29.24% variable. The card is an excellent choice if you need a lot of time to pay down a large purchase or if you want to transfer a balance from a high-interest card and save while you pay it off.

Despite the impressive 0% APR promotion, the card may not be a good fit for everyone. For starters, it doesn't offer a rewards program, so you may have a difficult time getting a lot of value out of it after the promotional period.

  • Issuer NameU.S. Bank
  • Annual Fee$0
  • Regular APR18.24% - 29.24% Variable
  • Penalty APRNone
  • Purchases Intro APR0% intro APR on purchases and balance transfers for 21 billing cycles
  • Balance Transfer Fee5% of the amount of each transfer or $5 minimum, whichever is greater
  • Foreign Transaction Fee3%

Yes, if you:

  • Need a long introductory 0% APR promotion.
  • Aren’t concerned about earning rewards.
  • Want to avoid an annual fee.

The U.S. Bank Visa® Platinum Card doesn't have the long-lasting benefits that some other cards have, but what it can do is save you money during its introductory APR period. If you need to make a major purchase and want time to pay it off, you can open this card and have just shy of two years to finance it interest free. The same is true for balances you transfer over (though you will pay a fee of 5% of the amount of each transfer or $5 minimum, whichever is greater).

A good strategy is to divide your purchase or balance transfer amount due by 21 months, then create a payment schedule to help you pay off the balance before the regular APR kicks in. In the meantime, try not to use the card for other purchases so that you don’t add to your debt burden.

Editor's Take

The main feature of this card is its long period of 0% APR. This gives you ample time to pay off large purchases, balance transfers, or both, with no interest tacked on. Beyond that, you won’t earn any rewards or bonuses. But if used strategically to help you pay off debt faster and in a less expensive way, that could provide enough savings to make the card worthwhile.

Dawn PapandreaContributor

The U.S. Bank Visa® Platinum Card doesn’t earn rewards or a welcome offer. However, it offers a 0% intro APR on purchases and balance transfers for 21 billing cycles. Additionally, new cardholders can take advantage of an ExtendPay Plan with no fee if opened within the first 60 days of account opening. The plan lets you pay off balances in fixed monthly payments over time, usually with a small monthly fixed fee

While you can’t earn rewards with this card, you can maximize the U.S. Bank Visa® Platinum Card by using it for what it’s meant for: to give you some wiggle room when you need to revolve a balance for over a year and a half. Or, to move over a nagging balance from another card so you can make faster payoff progress.

The information for the BankAmericard® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in 0% Introductory APR Credit Cards
BankAmericard® Credit Card

Terms Apply

More Info
Read More

The information for the BankAmericard® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

BankAmericard® Credit Card

The BankAmericard® Credit Card is another introductory APR card to consider, with the same timeframe of 18 months. After that, the regular APR range on the BankAmericard® Credit Card is lower than the U.S. Bank Visa® Platinum Card with a 15.49% to 24.49% variable APR. If you go with the U.S. Bank Visa® Platinum Card, you’ll get cell phone protection, which is not offered with the BankAmericard® Credit Card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Barclays AAdvantage Aviator Red World Elite MasterCard Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

AAdvantage® Aviator® Red World Elite Mastercard®

Terms Apply

The information for the AAdvantage® Aviator® Red World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

AAdvantage® Aviator® Red World Elite Mastercard®

The AAdvantage® Aviator® Red World Elite Mastercard® offers rewards for frequent flyers with American Airlines and additional travel perks.

Credit Needed

Good/Excellent

Annual Fee

$99

Rewards Rate

2X Miles per dollar spent on eligible American Airlines purchases

Pros

  • Double miles on American Airlines qualifying purchases.

  • 50,000 bonus miles after your first purchase and paid annual fee.

  • 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Cons

  • $99 annual fee.

  • No introductory APR for purchases.

  • Only 1 mile per dollar spent on non-American Airline purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The AAdvantage® Aviator® Red World Elite Mastercard® is a co-branded airline credit card with a $99 annual fee. Designed for frequent American Airlines flyers, this card earns 2 miles per dollar on eligible American Airlines purchases and 1 mile per dollar on all other purchases.

When you make your first purchase in the first 90 days and pay your annual fee, you will earn 50,000 bonus miles. There is also a 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, the APR is 21.24%, 25.24% or 29.99% based on your creditworthiness.

As a cardholder, you get a free checked bag and preferred boarding on American Airlines flights for you and up to four companions on your reservation; 25% in-flight savings on Wi-Fi, food and beverages; an auto rental collision damage waiver and trip cancellation and interruption coverage.

  • Issuer NameBarclays
  • Credit NeededGood/Excellent
  • Annual Fee$99
  • Regular APR21.24%, 25.24% or 29.99% based on your creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Frequently fly with American Airlines.
  • Want travel benefits such as a free checked bag and preferred boarding.
  • Will earn enough rewards to offset the $99 annual fee.

For travel credit cards, it usually makes sense to wait to open the card until you’re ready to book your next flight so your ticket purchase can help you meet the spending minimum to earn the card’s sign-up bonus. However, the AAdvantage® Aviator® Red World Elite Mastercard® doesn’t require anything more than a single purchase and the full payment of your annual fee.

The AAdvantage® Aviator® Red World Elite Mastercard® also offers the first checked bag free for you and up to four companions. This perk alone could pay for the annual fee.

Editor's Take

The sign-up bonus for the AAdvantage® Aviator® Red World Elite Mastercard® is a great offer. For a sign-up bonus with this many miles, you are usually required to spend a large amount of money in a short amount of time. However, the AAdvantage® Aviator® Red World Elite Mastercard® only requires one purchase and the full payment of your annual fee. If you are a frequent American Airlines flier, you can take advantage of this sign-up bonus to help fund your next trip.

Similar to other co-branded credit cards, AAdvantage® Aviator® Red World Elite Mastercard® rewards are tied to just one airline, American Airlines. If you aren't loyal to American Airlines, a more well-rounded travel rewards card such as the Chase Sapphire Preferred® Card, which allows you to redeem your points with multiple airlines, may be a better fit.

If you are an American Airlines loyalist, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is another compelling choice. Much like the AAdvantage® Aviator® Red World Elite Mastercard®, this card allows you to earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases. The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has an annual fee of $99, which is waived for the first year.

Austin ColeContributor

The AAdvantage® Aviator® Red World Elite Mastercard® offers 50,000 AAdvantage® bonus miles after you make your first purchase in the first 90 days and pay your annual fee.

Using the AAdvantage® Aviator® Red World Elite Mastercard® when you fly with American Airlines is a good strategy for maximizing rewards, as you will earn 2 miles per dollar with the airline. All other purchases earn 1 mile per dollar. You can earn the card’s 50,000-mile sign-up bonus when you make your first purchase in the first 90 days and pay your annual fee.

Comparing the AAdvantage® Aviator® Red World Elite Mastercard® With Other Cards

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Terms Apply

Annual Fee
$99, which is waived for the first year
Regular APR
20.49% - 29.49% (Variable)
Intro Offer
For a limited time earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening.
Rewards
2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.
Read More

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

United℠ Explorer Card

United℠ Explorer Card

Terms Apply

Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
21.24% - 28.24% Variable
Intro Offer
Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Rewards
2x Miles on United® purchases, dining, and hotel stays
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Terms Apply

More Info
Read More

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good alternative choice for frequent American Airline fliers.

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has a less appealing sign-up bonus when compared to the AAdvantage® Aviator® Red World Elite Mastercard® – 50,000 American Airlines AAdvantage® bonus miles $2,500 in the first three months of opening the account. However, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has an annual fee of $99, which is waived for the first year, and offers the ability to 2 miles for every dollar spent at restaurants, gas stations and on all eligible purchases with American Airlines.

If you don’t think meeting the sign-up bonus requirement will be an issue for you, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® may be a better option due to the increased miles you’ll earn at restaurants and gas stations.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Wells Fargo Reflect Card
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Wells Fargo Reflect® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening, but consumers who want a rewards credit card should look elsewhere.

Credit Needed

Good to Excellent

Annual Fee

$0

Pros

  • Comes with a 0% intro APR for 21 months from account opening.

  • $0 annual fee.

  • Offers two claims up to $600 each in a 12-month period to cover cellphone theft, loss or damage, provided you pay your cellphone bill with the credit card.

Cons

  • Does not offer a welcome bonus.

  • Charges a foreign transaction fee.

  • May have an above-average APR after the introductory period.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Wells Fargo Reflect® Card comes with a 0% intro APR for 21 months from account opening, a useful feature for consumers who want to pay off credit card debt or finance a big purchase. However, the card doesn't have many other perks.

All cardholders get 0% intro APR for 21 months from account opening. After the introductory period, there is an 17.49%, 23.99%, or 29.24% variable APR.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$0
  • Regular APR17.49%, 23.99%, or 29.24% Variable APR
  • Penalty APRNone
  • Purchases Intro APR0% intro APR for 21 months from account opening
  • Balance Transfer Fee5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction Fee3%
Apply Now

On Wells Fargo's Website.

Rates & Fees

Yes, if you:

  • Want to pay for a large purchase over time or transfer debt from another credit card.
  • Want a $0 card with cellphone protection.
  • Aren't looking for a rewards credit card.

The Wells Fargo Reflect® Card’s most valuable feature is its 0% intro APR for 21 months from account opening, so it’s a good idea to take advantage of that. Be sure to make balance transfers within 120 days of opening your account to get the promotional APR.

While paying off your balance transfer, avoid making new charges so you can prioritize wiping out your balance. Do the math to figure out how much you need to pay each month to eliminate your balance before the introductory period expires.

If you use your Wells Fargo Reflect® Card to pay your monthly cellphone bill, you can get up to $600 twice in a 12-month period to repair or replace a lost, stolen or damaged phone. That’s a great feature for a card with a $0 annual fee.

Editor's Take

If you're looking for a card you can use to pay down debt and then earn rewards once you're debt-free, the Wells Fargo Active Cash® Card may be a better option. It offers a 0% intro APR for 12 months from account opening, 19.49%, 24.49%, or 29.49% variable APR thereafter, and you can earn unlimited 2% cash rewards on purchases. The Wells Fargo Active Cash® Card has an intro balance transfer fee of 3% for 120 days from account opening, then up to 5%, min: $5 – compared with the Wells Fargo Reflect® Card’s 5%, min: $5.

Jessica MerrittContributor

The Wells Fargo Reflect® Card doesn't offer welcome bonuses or rewards, but you can take advantage of the 0% intro APR for 21 months from account opening, 17.49%, 23.99%, or 29.24% variable APR thereafter.

The Wells Fargo Reflect® Card doesn't have the benefits of a rewards credit card, but you can earn cash back when using your card with participating merchants through My Wells Fargo Deals.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD American Express Blue Business Cash™ Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The American Express Blue Business Cash™ Card

This card might be a good fit if you want a business credit card with a simple rewards structure and no annual fee.

Credit Needed

Good, Excellent

Annual Fee

No annual fee

Intro Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Rewards Rate

2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

Pros

  • Cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

  • No annual fee.

  • The American Express Blue Business Cash™ Card offers an intro APR of 0% on purchases for 12 months from date of account opening, then an 17.74% to 25.74% variable APR applies.

Cons

  • The American Express Blue Business Cash™ Card has a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

  • You'll only earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

  • There’s an annual cap on the bonus cash back.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The American Express Blue Business Cash™ Card is a business rewards credit card. Cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. There is no annual fee. Cardholders access benefits including purchase protection, car rental loss and damage insurance, extended warranty coverage and a Global Assist hotline. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual FeeNo annual fee
  • Regular APR17.74% - 25.74% Variable
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Are looking for a business rewards card with no annual fee. 
  • Plan to take advantage of the introductory APR of 0% on purchases for 12 months from date of account opening.
  • Don't intend to use it for purchases outside the U.S.

This business credit card’s intro APR of 0% on purchases for 12 months from date of account opening can be helpful if you have to make a large business purchase and want some time to pay it off without interest. Between that perk, earning the welcome offer and then getting 2% cash back on your spending up to $50,000 annually, The American Express Blue Business Cash™ Card could be a good tool for entrepreneurs just starting out.

Editor's Take

If you’re running a solo endeavor or small business and want a simple card to spend up to $50,000 annually, the 2% flat rate cash back can be a nice way to offset your expenses. Larger businesses can get more value from other business credit cards that have higher or uncapped bonus rewards, however.

Dawn PapandreaContributor

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

You can earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Cardholders can earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Rewards
5% Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Best in Business Credit Cards

Amazon Business Prime American Express Card

Amazon Business Prime American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.74% - 26.74% variable
Rewards
5% Back or 90 days to pay interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. (5% back applies to the first $120,000 in qualifying purchases each year, then 1%)
Read More

The information for the Amazon Business Prime American Express Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

The information for the Amazon Business Prime American Express Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card, which also has no annual fee, comes with slightly more earning potential than The American Express Blue Business Cash™ Card but has different rates by spending category. Cardholders of the Ink Business Cash® Credit Card earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. The welcome offer is higher as well, but you have to spend more to get it, with $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You also have more redemption flexibility on the Ink Business Cash® Credit Card, as you can redeem for cash back, gift cards, travel and more through Chase Ultimate Rewards or by transferring to travel partners.

For rates and fees of The American Express Blue Business Cash™ Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Customized Cash Rewards Credit Card Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Adriana Ocañas
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Adriana Ocañas
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Customized Cash Rewards credit card
Rates and Fees

Terms Apply

More Info

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card might be a good fit for fee-averse consumers who spend enough in the bonus categories to earn the 2% and 3% cash back rewards

Credit Needed

Excellent/Good

Annual Fee

$0

Intro Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

3% Cash back in the category of your choice

Pros

  • Offers 3% cash back on a category of your choice from a select list.

  • Has an introductory 0% intro APR for 15 billing cycles for purchases.

  • Charges a $0 annual fee.

Cons

  • Caps bonus rewards.

  • Earns just 1% cash back on nonbonus purchases.

  • Charges a balance transfer fee of 3% for 60 days from account opening, then 4%.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Customized Cash Rewards credit card offers flexibility to cardholders by allowing them to choose their 3% cash back category every month. Cardholders can also earn 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined purchases each quarter; other purchases receive 1% cash back.

If you're a Bank of America® Preferred Rewards customer, you can earn 25% to 75% more cash back on every purchase, depending on your level of membership. You can also receive a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

The card has a $0 annual fee and offers a 0% intro APR for 15 billing cycles for purchases. Balance transfers are subject to a balance transfer fee of 3% for 60 days from account opening, then 4%.

While the card offers value through its rewards, carrying a balance with interest charges can chip away at the card's value. It's best to avoid carrying a balance once the 0% introductory APR period is over, as it has a standard 18.74% to 28.74% variable APR on purchases and balance transfers APR.

  • Issuer NameBank of America
  • Credit NeededExcellent/Good
  • Annual Fee$0
  • Regular APR18.74% - 28.74% Variable APR on purchases and balance transfers
  • Penalty APRup to 29.99% APR
  • Purchases Intro APR0% Intro APR for 15 billing cycles for purchases
  • Balance Transfer Fee3% for 60 days from account opening, then 4%
  • Cash Advance FeeSee terms
  • Foreign Transaction Fee3%

Yes, if you:

  • Want the flexibility to choose a bonus rewards category.
  • Prioritize having no annual fee.
  • Need an introductory APR promotion.

Since the card comes with a 0% intro APR for 15 billing cycles for purchases, you could finance a large purchase or pay down a high-interest credit card balance.

The card's 3% cash back bonus category – which you can change each calendar month – is great if you track your spending and adjust the category to maximize rewards.

However, the card does have a 3% foreign transaction fee, so it’s best to avoid using this card abroad.

Editor's Take

The Bank of America® Customized Cash Rewards credit card is a good option for those who can benefit from the introductory APR offer and can earn more with the flexible 3% bonus category versus a 1.5% flat rate cash back card.

The $2,500 quarterly cap on bonus earnings can be limiting if you are a big spender. If you think your quarterly spending will greatly exceed the $2,500 cap, consider a flat rate cash back card to avoid those limitations.

If you are a Bank of America® Preferred Rewards member or can qualify to become one, this card gains even more value with the ability to earn up to 5.25% cash back on your selected bonus category.

Consider pairing the Bank of America® Customized Cash Rewards credit card with either a flat rate cash back card with unlimited earnings or a cash back card with bonus categories not offered by the Customized Cash Rewards card.

Austin ColeContributor

Receive a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

The card allows you to earn 3% cash back on your choice of one of the following categories:

  • Gas and EV charging stations.
  • Online shopping (including cable, internet, phone plans and streaming).
  • Dining. 
  • Travel. 
  • Drug stores and pharmacies. 
  • Home improvement and furnishings.

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.74% - 27.74% Variable APR
Intro Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards
1.5x cash back on all purchases
Read More

The information for the Bank of America® Unlimited Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

The information for the Bank of America® Unlimited Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

The Citi Double Cash® Card is a flat rate cash back alternative to the Bank of America® Customized Cash Rewards credit card. Instead of bonus categories, the Citi Double Cash® Card offers the ability to 1% when you buy plus 1% as you pay. Plus, earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. With a $0 annual fee, the Citi Double Cash® Card functions well as either an alternative choice or pairing with the Bank of America® Customized Cash Rewards credit card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Mastercard Gold Card Review | U.S. News
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Fri Nov 01
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Fri Nov 01, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Mastercard® Gold Card™

Terms Apply

More Info

The information for the Mastercard® Gold Card™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Mastercard® Gold Card™

This card's luxury travel benefits come with a high price and you may be able to find similar perks for half the cost.

Credit Needed

Very Good, Excellent

Annual Fee

$995

Intro Offer

Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.

Rewards Rate

2% value for airfare redemption with no airline or seat restrictions and no blackout dates.

Pros

  • Elite-level concierge service.

  • Wide range of exclusive travel benefits.

  • 2% redemption value for airfare and cash back.

Cons

  • $995 annual fee.

  • Only earns one point per dollar on all purchases and doesn't have a sign-up bonus.

  • Must spend almost $50,000 to offset the $995 annual fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Made with 24K gold, the Mastercard® Gold Card™ is designed for affluent customers with excellent credit. The reward program for this luxury card offers a 2% value for airfare redemptions (with no blackout dates or seat restrictions) and cash back redemptions. Cardmembers earn one point per dollar on purchases. This means 50,000 points can be redeemed for $1,000 in airfare or cash back, for example.

A $995 annual fee is required for the Mastercard® Gold Card™, but cardholders receive access to a plethora of travel and shopping benefits in return. The Mastercard® Gold Card™ has a 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

  • Issuer NameLuxury Card
  • Credit NeededVery Good, Excellent
  • Annual Fee$995
  • Regular APR21.24%, 25.43% or 28.24% Variable
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Will spend enough to offset the annual fee.
  • Have excellent credit. 
  • Travel frequently.

Spending $995 a year for a single credit card may sound outlandish to some, but the Mastercard® Gold Card™ comes with a slew of luxury travel benefits to support affluent customers on the move.

Cardholders can take advantage of the Mastercard® Gold Card™ 24/7 concierge service that can help you do everything from booking a tee time to researching the best school districts before you move to a new city. You'll receive a $100 Global Entry & TSA PreCheck application credit, $200 annual airline credit, a VIP Priority Pass™ at over 1,300 airport lounges and pay no foreign transaction fees.

Through the Luxury Card Travel program, you'll receive a value of $500 per stay with an exclusive suite of benefits and services at over 3,000 global properties. These benefits include room upgrades at check-in, free Wi-Fi and daily breakfast for two.

Since the Mastercard® Gold Card™ earns flat rate rewards, you may want to pair this card with a brand-specific hotel or airline card that isn't included in the Luxury Card Travel program to earn greater rewards.

Editor's Take

The Mastercard® Gold Card™ is valuable if you take full advantage of the card's extensive benefits. However, other cards with lower price points may offer more in the way of rewards and benefits, such as The Platinum Card® from American Express.

Austin ColeContributor

Mastercard® Gold Card™ doesn't offer a sign-up bonus, but new cardholders are privy to a 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.

Given you earn one point per dollar on all purchases with the Mastercard® Gold Card™, there's no strategy for earning rewards other than charging purchases to the card. When it comes to redemption, the card offers 2% value for airfare and cash back redemptions. If you redeem your points for airfare or cash back, you'll have to spend almost $50,000 annually to pay for the card's $995 annual fee.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Reserve®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Reserve®

The Chase Sapphire Reserve® has an annual fee of $550 ($75 for each authorized user). After using the $300 annual travel credit, cardholders earn 10 points per dollar on hotel and car rentals booked through the Chase Travel℠ program and five points per dollar spent on flights booked through Chase Travel℠. All other travel purchases earn three points per dollar. Cardmembers also earn 10 points per dollar on Chase Dining purchases and three points per dollar at restaurants.

Cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The Chase Sapphire Reserve® card's $550 annual fee is almost half the cost of Mastercard® Gold Card™ and comes with many of the same perks and benefits. Chase Sapphire Reserve® cardholders receive complimentary airport lounge access, a credit for Global Entry, TSA PreCheck or NEXUS and more than $1,200 in partner benefits with Lyft, DoorDash, and Peloton, along with travel protections and more.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Wells Fargo Autograph Card | Credit Cards | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Wells Fargo Autograph℠ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card may be a good choice for those who enjoy entertainment such as dining out, travel and streaming.

Credit Needed

Good to Excellent

Annual Fee

$0

Pros

  • The Wells Fargo Autograph℠ Card offers a variety of ways to redeem points, including on travel, as statement credits or gift card purchases, or when you pay using PayPal.

  • Cardholders get a 0% intro APR for 12 months from account opening.

  • Benefits include emergency travel protections and up to $600 of cellphone protection against damage or theft.

Cons

  • While the Wells Fargo Autograph℠ Card offers three points per dollar for a variety of everyday spending categories, grocery purchases do not qualify.

  • There’s no 0% introductory APR for balance transfers.

  • Benefits lack travel perks such as airport lounge access or the ability to transfer rewards to travel partners.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
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The Wells Fargo Autograph℠ Card caters to those who frequently spend on entertainment and travel. Cardholders can earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. Cardholders can choose from a variety of redemption options, including travel, statement credits, gift cards or using PayPal.

You’ll earn 20,000 bonus points when you spend $1,000 in purchases in the first three months – a $200 cash redemption value. Another benefit for new cardholders is the 0% intro APR for 12 months from account opening, then 19.49%, 24.49%, or 29.49% variable APR.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$0
  • Regular APR19.49%, 24.49%, or 29.49% Variable APR
  • Penalty APRNone
  • Purchases Intro APR0% intro APR for 12 months from account opening
  • Balance Transfer Fee3% for 120 days from account opening, then up to 5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction FeeNone
Apply Now

On Wells Fargo's Website.

Rates & Fees

Yes, if you:

  • Prefer multiple redemption options for your rewards. 
  • Spend a solid amount on dining, travel, streaming services, phone plans and/or gas and want no spending limits on earning rewards. 
  • Don’t need to earn high points per dollar on grocery purchases.

New cardholders get a 0% intro APR for 12 months from account opening, then 19.49%, 24.49%, or 29.49% variable APR, so you can use the Wells Fargo Autograph℠ Card to pay for a large purchase interest free as long as you pay off the balance before interest applies.

With up to $600 in cellphone protection for theft or damage, it’s a good idea to use your Wells Fargo Autograph℠ Card to pay for your cellphone plan. You’ll also earn three points per dollar spent on cellphone plans.

Pairing a Wells Fargo Autograph℠ Card with a Wells Fargo Active Cash® Card can help you earn bonus rewards on most purchases. Use the Wells Fargo Autograph℠ Card to earn three points per dollar on dining, travel, transit, popular streaming services, phone plans and at gas stations. Then use the Wells Fargo Active Cash® Card to earn unlimited 2% cash rewards on purchases. Neither card charges an annual fee.

Editor's Take

The Wells Fargo Autograph℠ Card can be a good choice for everyday rewards. It checks a lot of boxes for rewards, as cardholders can earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. You can also earn 20,000 points – $200 in cash redemption value – once you spend $1,000 within the first three months, all with a $0 annual fee.

While the Wells Fargo Autograph℠ Card is no slouch for everyday rewards earning, it lacks bonus rewards on groceries. Other cards offer rewards in this category, like the Blue Cash Everyday® Card from American Express, which provides 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. (See Rates & Fees)

Jessica MerrittContributor

New cardholders can earn 20,000 bonus points after spending $1,000 within the first three months.

The fastest way to earn points is to earn the Wells Fargo Autograph℠ Card’s 20,000-point sign-up bonus by spending $1,000 in the first three months. It’s also a good idea to use the card for purchases in bonus categories, including dining, travel, gas, transit, popular streaming services and phone plans.

While some rewards cards allow you to transfer rewards to travel partners and potentially maximize your redemption value, the Wells Fargo Autograph℠ Card does not. However, your rewards don’t expire as long as your account is open, and you have several redemption options within the Wells Fargo Rewards program. You can redeem your points as a credit to a qualifying Wells Fargo account, pay with rewards at participating merchants, book travel, get a statement credit, get a gift card or shop with rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers some features the Wells Fargo Autograph℠ Card lacks, including 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. It also offers a longer and more extensive intro APR offer of 0% on purchases for 15 months, 18.49% to 29.49% variable APR after that. Statement credit benefits with the Blue Cash Everyday® Card from American Express may offer some value to you, including an $84 annual Disney Bundle credit at $7 per month and a $180 annual Home Chef credit for $15 per month, enrollment required. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Choice Privileges® Mastercard® | US News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Choice Privileges® Mastercard®
Rates and Fees

Terms Apply

More Info
Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

Choice Privileges® Mastercard®

Cardholders can get elite status and earn hotel rewards with this travel card.

Credit Needed

Good to Excellent

Annual Fee

$0

Pros

  • Earn 5X points on stays at participating Choice Hotels® properties.

  • Receive Gold Elite status with early check-in, extended checkout and more perks.

  • Get 40,000 bonus points when you spend $1,000 within the first three months.

Cons

  • There's no 0% introductory annual percentage rate on purchases or balance transfers.

  • Point redemption is limited to Choice Hotels and select airline partners.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Choice Privileges® Mastercard® is a hotel co-branded travel rewards credit card. Cardholders who are Choice Privileges members will earn 5X points on stays at participating Choice Hotels® properties. The card also earns three points per dollar on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus, earn one point per dollar on all other purchases. There's no annual fee with this card, and you can earn 40,000 bonus points when you spend $1,000 in purchases in the first three months - enough to redeem for up to 5 Reward nights at select Choice Hotels® properties. Additional fees may apply.

Choice Privileges® Mastercard® holders benefit from cellphone protection and no foreign transaction fees and automatically receive Gold Elite status with the Choice Privileges Rewards Program. With Gold Elite status, cardholders get early check-in, extended checkout, a 10% elite point bonus and exclusive phone numbers for reservations and customer service.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$0
  • Regular APR20.24%, 24.49%, or 29.49% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction FeeNone
Apply Now

On Wells Fargo's Website.

Rates & Fees

Yes, if you:

  • Frequently stay with Choice Hotels.
  • Want a no-annual-fee hotel card.
  • Will pay your balance in full each month to avoid interest charges.

Plan to get the Choice Privileges® Mastercard® before you book a stay with Choice Hotels, as you can earn 5X points on stays at participating Choice Hotels® properties. You should also plan to spend $1,000 on the card within the first three months so you can earn the 40,000-point sign-up bonus.

With up to $800 of cellphone protection against damage or theft, it makes sense to use this card to pay your monthly cellphone bill.

Editor's Take

With no annual fee and automatic hotel status, the Choice Privileges® Mastercard® is an easy win if you plan to stay with Choice Hotels. You'll earn elevated rewards, get early check-in and extended checkout, and even cellphone protection when you use your card to pay your monthly cellphone bill.

Still, the Choice Privileges® Mastercard® is a co-branded hotel card with redemption options limited to Choice Hotels, select airline partner loyalty programs and gift cards. If you'd prefer more flexibility in rewards earning and redemption, a card such as the Chase Sapphire Preferred® Card may be a better option for you.

Jessica MerrittContributor

New cardholders of the Choice Privileges® Mastercard® will earn 40,000 bonus points after spending $1,000 within the first three months - enough to redeem for up to 5 Reward nights at select Choice Hotels® properties. Additional fees may apply.

Maximize rewards with the Choice Privileges® Mastercard® by planning to spend $1,000 within the first three months of opening the card to earn 40,000 bonus points - enough to redeem for up to 5 Reward nights at select Choice Hotels® properties. Additional fees may apply. You should also use this card any time you book a stay with Choice Hotels, as it earns 5X points on stays at participating Choice Hotels® properties. It's also good for three points per dollar at gas stations, grocery stores, home improvement stores and phone plans, then one point per dollar on all other purchases.

Points can be redeemed for Choice Hotel stays or transferred to select airline loyalty programs such as United MileagePlus or Southwest Rapid Rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Hilton Honors American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Hilton Honors American Express Card

The Choice Privileges® Mastercard® is similar to the Hilton Honors American Express Card, which you might prefer if you stay more frequently with Hilton brands than with Choice. Like the Choice Privileges® Mastercard®, the Hilton Honors American Express Card has no annual fee or foreign transaction fee and offers Hilton Honors Silver status. Cardholders earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card. New cardholders earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Altitude Connect Visa Signature Card 2024 Review| U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Altitude® Connect Visa Signature® Card
Rates and Fees

Terms Apply

More Info

The information for the U.S. Bank Altitude® Connect Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

U.S. Bank Altitude® Connect Visa Signature® Card

The U.S. Bank Altitude® Connect Visa Signature® Card earns strong rewards for travel, groceries and streaming services and delivers impressive benefits.

Credit Needed

Good, Excellent

Annual Fee

$0 annual fee for the first year, $95 thereafter

Intro Offer

earn $20,000 bonus points after spending $1,000 on eligible Net purchases in the first 90 days.

Rewards Rate

4X Points per $1 spent on travel and at gas statoins/EV charging stations.

Pros

  • Cardholder benefits include a $30 streaming credit, airport lounge access, cellphone protection and a $100 credit for TSA PreCheck or Global Entry fees.

  • You’ll earn 20,000 bonus points worth 20,000 bonus points when you spend $1,000 within the first 120 days of account opening.

  • Prepaid hotels and car rentals booked through the Altitude Rewards Center earn five points per dollar.

Cons

  • There’s a $0 annual fee for the first year, $95 thereafter annual fee after the first year.

  • You won’t get an introductory annual percentage rate on balance transfers or purchases.

  • There’s a 2,500-point minimum to redeem cash back.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank Altitude® Connect Visa Signature® Card can be a good choice if you expect to spend a lot on travel or pay for groceries and streaming services with a credit card. This card earns five points per dollar on prepaid hotels and car rentals booked with the Altitude Rewards Center, four points per dollar at gas stations and EV charging stations, two points per dollar on groceries, dining and streaming services and one point per dollar on all other purchases.

New cardholders get 20,000 bonus points worth 20,000 bonus points when you spend $1,000 within the first 120 days of account opening.

You'll pay no annual fee for the first year, then $0 annual fee for the first year, $95 thereafter. However, this card offers benefits that can offset the annual fee.

  • Issuer NameU.S. Bank
  • Credit NeededGood, Excellent
  • Annual Fee$0 annual fee for the first year, $95 thereafter
  • Regular APR17.74% - 28.74%
  • Penalty APRNone
  • Purchases Intro APR0% intro APR on purchases and balance transfers for your first 12 billing cycles
  • Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • Cash Advance FeeEither 5% of the amount of each advance or $10 minimum, whichever is greater.

Yes, if you:

  • Want travel rewards and benefits with a low annual fee.
  • Can spend $1,000 within the first 120 days of account opening to earn the sign-up bonus.
  • Are comfortable booking hotels and car rentals with the Altitude Rewards Center.

Attention to detail can pay off when you use the U.S. Bank Altitude® Connect Visa Signature® Card. While the card earns five points per dollar on hotels and car rentals, you’ll only earn that rewards rate if you book prepaid hotels and cars in the Altitude Rewards Center. You should also make sure you’re maximizing rewards by spending $1,000 within the first 120 days of account opening so you can earn the 20,000 bonus points.

Take advantage of all the benefits of the U.S. Bank Altitude® Connect Visa Signature® Card. You can charge qualifying streaming services to your card to claim the annual $30 streaming credit. At the airport, you can benefit from four free Priority Pass Select passes for airport lounges worldwide. Cardholders also get up to $100 in statement credits for TSA PreCheck or Global Entry application fees. If you pay for your cellphone bill with the U.S. Bank Altitude® Connect Visa Signature® Card, you’ll get up to a $600 reimbursement if your cellphone is stolen or damaged.

Editor's Take

The U.S. Bank Altitude® Connect Visa Signature® Card may be a good choice if you want to get travel rewards and benefits without paying a high annual fee. The card’s features mimic some of what you can get with higher-end travel credit cards. With its elevated rewards on travel, a streaming credit, benefits at the airport, cellphone protection and travel protection like trip delay reimbursement, the value of the card’s benefits can outweigh the $0 annual fee for the first year, $95 thereafter annual fee that starts in the second year.

Still, other travel credit cards may offer better rewards earning with more flexibility and benefits, such as the Chase Sapphire Preferred® Card.

Jessica MerrittContributor

You can earn 20,000 bonus points worth 20,000 bonus points after spending $1,000 within the first 120 days of account opening.

First, plan to spend $1,000 within the first 120 days of account opening so you can earn the card’s 20,000 bonus points -point sign-up bonus. You can earn the most points by earning five points per dollar on hotels and car rentals in the Altitude Rewards Center, and you’ll earn four points per dollar at gas stations and EV charging stations. Spending at grocery stores, on dining and streaming services earns two points per dollar, and all other purchases earn one point per dollar.

Points can be redeemed for merchandise, gift cards, cash back and travel and will never expire as long as your account remains open.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

You can get travel benefits and protections plus the opportunity to earn more flexible rewards with the Chase Sapphire Preferred® Card. This card has a $95 annual fee, but offers benefits such as a $50 annual statement credit for hotel stays booked with Chase Travel and more than $200 in partnership value with Lyft, DoorDash, Instacart and Peloton. Cardholders also get trip delay, cancellation and interruption coverage; an auto rental collision damage waiver; baggage delay insurance; purchase protection and extended warranty protection.

earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening with the Chase Sapphire Preferred® Card's welcome offer. Cardholders can also enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Points can be redeemed for 25% more value for travel booked with Chase Travel, or you can transfer points to one of Chase’s airline or hotel partners for potentially greater value.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank SKYPASS Visa Business Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

SKYPASS Visa® Business Card

Terms Apply

The information for the SKYPASS Visa® Business Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

SKYPASS Visa® Business Card

This business airline card helps Korean Air travelers earn rewards and save on flights

Annual Fee

$99

Rewards Rate

2X Miles for every net eligible dollar you spend on Korean Air ticket purchases

Pros

  • There are several bonus categories in addition to Korean Air flights.

  • There is no foreign transaction fee on this card.

  • The card comes with Visa Signature benefits, including travel accident insurance, lost luggage reimbursement and trip emergency assistance.

Cons

  • There is a $99 annual fee for primary account holders and for employee cards, though some other business cards with fees offer free or discounted employee cards.

  • Miles redemptions are limited to Korean Air.

  • If you are late with your payment or go over your credit limit, you may be hit with a 32.49% variable penalty APR that will last for at least six months.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The SKYPASS Visa® Business Card is a co-branded airline card for business owners who fly Korean Air. The card offers a bonus miles rewards program of 2 miles per dollar spent on Korean Air ticket purchases, gas, EV charging stations, dining and on cellphone and office supplies. All other purchases earn 1 mile per dollar. There is an annual fee of $99 for account owners and authorized employees. New cardholders receive a 50,000-mile sign-up bonus after making $5,000 in purchases within the first 90 days of opening an account. You will receive two free KAL Lounge coupons and 5% off Korean Air tickets each year for you and a companion.

  • Issuer NameU.S. Bank
  • Annual Fee$99
  • Regular APR22.74% to 29.74%
  • Penalty APR32.49% Variable
  • Balance Transfer Fee3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance FeeConvenience Check Cash Advance: Either 3% of the amount of each advance or $5 minimum, whichever is greater Cash Advance ATM/Cash Advance: Either 4% of the amount of each advance or $5 minimum, whichever is greater Cash Equivalent Advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater

Yes, if you:

  • Travel frequently on Korean Air
  • Aren't looking for redemption flexibility
  • Don't mind paying an annual fee

Pay for your Korean Air flights to earn 2 miles per dollar and get 5% off the total ticket cost for you and a companion. For other travel expenses like hotels and car rentals, you might consider another business card that offers bonus rewards on general travel.

Editor's Take

If you do a lot of business travel via Korean Air, this card can help you save on flights. With a solid welcome offer and several popular business spending categories earning bonus miles, the rewards should pile up. You won't get many of the perks you find with other airline cards, like in-flight discounts, yearly fee credits, free checked bags or companion passes, but travel benefits do protect your trip with insurance and emergency assistance. This isn't the best choice if you want to add employee cards to your account since each one will incur a $99 annual fee.

Dawn PapandreaContributor

You'll earn a 50,000-mile sign-up bonus when you make $5,000 in purchases within the first 90 days of opening an account.

You can use your SKYPASS Visa® Business Card for purchases with Korean Air as well as gas, EV charging stations, dining and on cellphone and office supplies to 2 miles per dollar; you'll get 1 mile per dollar on all other eligible purchases. You'll earn a 50,000-mile sign-up bonus when you make $5,000 in purchases within the first 90 days of opening an account.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Business Credit Cards
Delta SkyMiles® Gold Business American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Gold Business American Express Card

Consider the Delta SkyMiles® Gold Business American Express Card if you fly domestic in addition to taking Korean Air flights. Delta and Korean Air are partner airlines, so you can earn SkyMiles® when you fly Korean Air. As for the card, there's a $0 introductory annual fee for the first year, then $150; you can get up to 99 employee cards for free. You'll earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases. Plus, you'll get a $200 Delta flight credit toward a future trip after you spend $10,000 in a calendar year. Delta SkyMiles® Gold Business American Express Card cardholders also get a first checked bag free and 20% off in-flight purchases. The welcome offer is generous as well: earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Venture X Business 2024 Review | U.S. News
By Antonio Ruiz-Camacho
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11
By Antonio Ruiz-Camacho
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Venture X Business
Rates and Fees

Terms Apply

Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture X Business

The Capital One Venture X Business offers an unlimited 2 miles per dollar spent and luxury travel perks. It charges a $395 annual fee, which frequent travelers can easily offset with the card’s annual travel credit and anniversary bonus.

Credit Needed

Excellent

Annual Fee

$395

Intro Offer

150,000 Miles once you spend $30,000 in the first 3 months from account opening

Rewards Rate

2X Miles per dollar on every purchase.

Pros

  • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel.

  • Offers one of the largest welcome bonuses on the market

  • Every year, you'll get 10,000 bonus miles after your account anniversary date, and an annual $300 credit for bookings through Capital One Travel

Cons

  • High spending requirement to earn the welcome bonus

  • No 0% introductory APR

  • Balance must always be paid off in full every month

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Capital One Venture X Business is the business version of the Capital One Venture X Rewards Credit Card, one of the most popular premium cards among travel aficionados due to its lucrative rewards structure and luxury perks.

Similar to its consumer card sister, Capital One Venture X Business offers unlimited 2 miles per dollar on every purchase, in addition to 10 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on flights booked through Capital One Travel.

The card charges a $395 annual fee, but cardholders get a $300 annual travel credit for bookings through Capital One Travel, in addition to 10,000 bonus miles every year. On top of that, Capital One Venture X Business is currently offering one of the most generous welcome bonuses on the market – 150,000 miles when you spend $30,000 in the first three months. (See Rates & Fees)

  • Issuer NameCapital One
  • Credit NeededExcellent
  • Annual Fee$395
  • Penalty APRNone
  • Balance Transfer FeeBalance transfers are not available on Venture X Business
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Are a business owner looking for a travel card with generous rewards and premium benefits, like airport lounge access, at a lower annual fee than other similar cards.
  • Value the simplicity of a card that earns unlimited bonus miles on all purchases.
  • Travel frequently enough to receive an annual $300 credit for bookings through Capital One Travel.

Editor's Take

Savvy small-business owners who travel frequently and enjoy luxury benefits like lounge access and TSA PreCheck or Global Entry will want to consider the Capital One Venture X Business. With unlimited 2 miles per dollar spent on all purchases, in addition to elevated rewards on travel purchases booked through Capital One’s travel portal, earning miles you can redeem for trips in multiple ways is easy.

The card’s $300 annual travel credit can help offset the $395 annual fee, beating other competitors in the luxury card space, including the The Business Platinum Card® from American Express – with a $695 annual fee – and Chase Sapphire Reserve® – with a $550 annual fee. To further increase its value, Capital One Venture X Business offers a 10,000-mile anniversary bonus and one of the largest sign-up bonuses ever seen – 150,000 points, similar to the one offered by AmEx Business Platinum. (See Rates & Fees)

However, you’ll have to spend $30,000 on the Capital One Venture X Business to earn the bonus, compared with the $20,000 required by its AmEx counterpart. You’ll also have to pay your balance in full at the end of every month as this is a charge card.

If you have employees who make purchases or travel for your business, Capital One Venture X Business allows you to give them employee cards at no cost. You can set customized spending limits for each employee card and see their transactions as soon as they post. The miles they earn are pooled into your account.

Antonio Ruiz-CamachoContributor

Earn 150,000 bonus miles when you spend $30,000 in the first three months, which is equal to $1,500 in travel.

Capital One Venture X Business makes it easy to redeem miles for travel purchases. The simplest way is to use your miles to “erase” travel purchases made with your card within the last 90 days. You simply select an eligible purchase and the number of miles you want to use – you can cover the whole purchase or a partial amount.

You can also redeem miles for flights, hotels, vacation rentals and other travel purchases through Capital One Travel. However, if you want to maximize the value of your miles, you can transfer them to one of Capital One’s travel transfer partners, including Air France-KLM, Aeromexico, British Airways, Wyndham Hotels & Resorts and Choice Hotels.

Most travel partners allow you to transfer points at a 1-to-1 ratio – and unlike some rewards programs, which only permit transfers in 1,000-point increments, you can transfer the exact amount of Capital One miles you need.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
The Blue Business® Plus Credit Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

If you’re interested in a business credit card that earns generous rewards on all purchases and charges no annual fee, consider The Blue Business® Plus Credit Card from American Express. The card offers two points per dollar spent on all purchases up to $50,000, then one point per dollar after that. The card also offers employee cards and a flexible credit limit.

Currently, The Blue Business® Plus Credit Card from American Express offers 15,000 points after you spend $3,000 on eligible purchases and, unlike the Capital One Venture X Business, an introductory 0% APR offer for the first 12 months, then an APR of 17.74% to 25.74% variable. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Lands’ End Visa Credit Card Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Lands’ End® Visa® Credit Card

Terms Apply

The information for the Lands’ End® Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Lands’ End® Visa® Credit Card

This card may appeal to frequent Lands' End shoppers, earning five points per dollar spent at Lands’ End retail stores or Landsend.com.

Annual Fee

$0

Rewards Rate

5X Points per dollar spent at Landsend.com or Lands’ End Stores

Pros

  • Bonus earnings rates are strong, with five points per dollar spent at Lands’ End retail stores or Landsend.com and two points per dollar on dining, gas and travel.

  • This card doesn’t charge an annual fee.

  • You can take advantage of free shipping at Landsend.com, 50% off your first purchase on Landsend.com the day you open your account and $50 off a Landsend.com order of $100 or more during your birthday month.

Cons

  • Although the card offers discounts and benefits with Lands’ End, it doesn’t include travel and shopping protection benefits offered by many similar credit cards.

  • Rewards points expire 12 months after they are posted to your account, and reward certificates expire 60 days from the date of issue.

  • Lands' End purchases made at other retailers that sell Lands' End merchandise only earn one point per dollar.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Designed for frequent shoppers of Lands’ End, the Lands’ End® Visa® Credit Card offers five points per dollar spent at Lands’ End retail stores or Landsend.com. Cardholders earn two points per dollar on dining, gas and travel and one point per dollar on all other purchases. The card requires no annual fee. Shopping benefits include free shipping at Landsend.com, 50% off your first purchase on Landsend.com the day you open your account and $50 off a Landsend.com order of $100 or more during your birthday month.

  • Issuer NameComenity Capital Bank
  • Annual Fee$0
  • Regular APR27.99% or 35.24% variable based on creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3% of each transaction in U.S. dollars.

Yes, if you:

  • Do a lot of shopping at Lands' End. 
  • Pay your bill in full each month.
  • Want to redeem rewards at Lands' End.

Make sure you redeem your rewards and use the Rewards Certificates before they expire. You wouldn’t want to earn all those points just to lose them. It’s a no-brainer to use this card for your Lands’ End purchases, but if you have other rewards cards that offer the same or higher points or cash back for dining, gas or travel purchases, you might use a card with more point flexibility than the Lands’ End® Visa® Credit Card.

Editor's Take

Cards that earn rewards for just one retailer have limited value. That said, if you are an avid Lands’ End shopper, then you can score some savings and perks with the card, particularly free shipping. The key is to not offset your rewards by carrying a balance, which means you’ll pay a high interest rate.

Dawn PapandreaContributor

The Lands’ End® Visa® Credit Card doesn't have an introductory bonus, though you can get 50% off your first purchase on Landsend.com the day you open your account.

You'll maximize rewards with the Lands’ End® Visa® Credit Card when you make purchases at Lands' End retail stores or Landsend.com, where you'll earn five points per dollar. The card also offers two points per dollar on dining, gas and travel and one point per dollar on all other purchases. You’ll receive 50% off your first purchase on Landsend.com the day you open your account.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Kohl's Credit Card

Kohl's Credit Card

Terms Apply

Annual Fee
$0
Regular APR
30.74% Variable APR
Read More

The information for the Kohl's Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

If your main objective is to save some money on retail spending, a general cash back credit card might be more useful to you than being tied into a co-branded card. The Blue Cash Everyday® Card from American Express is a strong pick, with 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. You won’t have to worry about rewards expiring or being locked into only using points on Lands’ End purchases, and you could purchase your favorite gear and then use a statement credit to cover some of your cost. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PNC Points Visa Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PNC points® Visa® Credit Card

Terms Apply

The information for the PNC points® Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

PNC points® Visa® Credit Card

This no-annual-fee credit card seemingly offers a high rewards rate, but points are not worth much when redeemed.

Annual Fee

$0

Intro Offer

earn 100,000 bonus points after making $1,000 or more in purchases during the first three billing cycles.

Rewards Rate

4X Points per dollar on purchases

Pros

  • You will pay no annual fee with the PNC points® Visa® Credit Card.

  • You can earn 25% to 75% in bonus points depending on your relationship with PNC Bank.

  • Cardholders get travel and emergency protection, travel accident insurance, cell phone protection and purchase security, which are good benefits on a no-fee card.

Cons

  • The points value is deceivingly low at just 1 cent for five points — so the 100,000 bonus points are worth just $200.

  • The PNC points® Visa® Credit Card does not offer a 12-month 0% introductory APR on purchases.

  • The card charges a foreign transaction fee of 3%.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The PNC points® Visa® Credit Card is a rewards credit card. You will earn four points per dollar on all purchases and can earn bonus points ranging from 25% to 75% based on your relationship with PNC Bank. There is no annual fee, and the card has a 12-month 0% introductory APR on balance transfers made within 90 days of opening the account, then a variable APR of 18.24% to 30.24% variable APR.

New cardholders can earn 100,000 bonus points after making $1,000 or more in purchases during the first three billing cycles. You must apply through a link on a PNC.com page to get the offer, which is redeemable for $200 in cash back.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR18.24% to 30.24% Variable APR
  • Penalty APR28.99% Variable
  • Balance Transfer Fee$5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening $5 or 4% of the amount of each balance transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3%

Yes, if you:

  • Are a banking customer with PNC.
  • Want a no-annual-fee rewards card.
  • Can qualify for the lower end of the APR range.

You can leverage the PNC points® Visa® Credit Card for its 12-month 0% introductory APR on balance transfers made within 90 days of opening the account, though some cards have longer introductory periods. As for rewards, the card makes the most sense for PNC customers who can earn five, six or seven points per dollar spent versus the four points per dollar on all purchases for all cardholders. Still, there are higher-earning cards out there. Earning the welcome offer, which gives you a $200 cash bonus, helps boost the card’s value.

Editor's Take

If considering the PNC points® Visa® Credit Card, keep in mind that the four to seven points per dollar rewards you can earn (depending on your PNC banking status) may sound amazing, but it doesn’t tell the whole story. That’s because five points equal 1 cent when redeemed for cash, whereas with many other cash back or rewards cards, one point is worth 1 cent. You can also redeem points for merchandise; redemption values will vary. There is no annual fee, however, and if you can qualify for the lower end of the APR range, some of the consumer benefits, like cellphone protection, might be nice to have.

Dawn PapandreaContributor

New cardholders can earn 100,000 bonus points after making $1,000 or more in purchases during the first three billing cycles You must apply through a link on a PNC.com page to get the offer, which is redeemable for $200 in cash back.

The PNC points® Visa® Credit Card earns four points per dollar on all purchases. You can earn up to 75% in bonus points if you have a Performance Select checking account or Virtual Wallet with Performance Select with PNC Bank that meets minimum balance or direct deposit requirements.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Hilton Honors Surpass Card from American Express Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Hilton Honors American Express Surpass® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Hilton Honors American Express Surpass® Card

Rack up Hilton rewards, credits and status with the Hilton Honors American Express Surpass® Card.

Credit Needed

Excellent, Good

Annual Fee

$150

Intro Offer

Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.

Rewards Rate

12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.

Pros

  • Receive automatic Hilton Honors Gold status with perks.

  • Earn 12 points per dollar on Hilton purchases.

  • Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.

Cons

  • There's a $150 annual fee.

  • You'll have to spend $15,000 in a year to earn a free hotel night reward.

  • There's no 0% introductory annual percentage rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

You can turn everyday spending into free hotel nights with the Hilton Honors American Express Surpass® Card. This card earns 12 points per dollar spent with Hilton, six points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations, four points per dollar on U.S. online retail purchases and three points per dollar on all other purchases. Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.

Perks of the card include a $200 annual Hilton credit, complimentary National Car Rental Emerald Club Executive status, car rental loss and damage coverage and complimentary Hilton Honors Gold status that comes with free Wi-Fi, space-available room upgrades and a daily food and beverage credit or continental breakfast.

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$150
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Frequently stay with Hilton when you travel.
  • Can get enough value from rewards or benefits to offset the annual fee.
  • Can spend $3,000 within the first six months to earn 165,000 Hilton Honors Bonus Points.

When you use the Hilton Honors American Express Surpass® Card to make purchases with Hilton, you'll earn 12 points per dollar, so this card is a good choice if you have plans to stay with Hilton. You should plan to spend $3,000 within the first six months of opening your account to earn 165,000 Hilton Honors Bonus Points.

You can take advantage of the card's $200 annual Hilton credit by making a purchase directly with Hilton each quarter to get a $50 statement credit. You'll also get a food and beverage credit or continental breakfast as a gold member when you stay with Hilton, so it's a good idea to take advantage of that. And if your credit card spending amounts to at least $15,000 a year, you'll earn a free hotel night with this card.

Editor's Take

If you stay with Hilton a few times a year, the Hilton Honors American Express Surpass® Card can offer value. You'll get status perks, a $200 annual Hilton credit and Hilton Honors rewards. With 12 points per dollar on Hilton purchases and six points per dollar on dining, groceries and gas, it's easy to earn lots of Hilton points you can use for free hotel nights.

However, you should be sure you can get at least $150 in value from the card each year to offset the annual fee. That should be easy enough to do with the $200 annual credit, but you'll need to book stays with Hilton to earn that. If you prefer more flexibility, the Chase Sapphire Preferred® Card can offer travel rewards redeemable for travel that's not limited to Hilton stays.

Jessica MerrittContributor

Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.

Use the Hilton Honors American Express Surpass® Card when you book travel with Hilton, as it earns 12 points per dollar on Hilton purchases. It's also a good idea to budget for spending $3,000 within the first six months to earn 165,000 Hilton Honors Bonus Points. Even if you're not planning a Hilton stay right away, you can earn six points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; four points per dollar on U.S. online retail purchases; and three points per dollar on all other purchases. Note that Hilton Honors points expire if your account remains inactive for 24 consecutive months, so you'll need to use your card in that period to keep your points.

Hilton Honors American Express Card

Hilton Honors American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Rewards
7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card
Rates and Fees

Terms Apply

Annual Fee
$550
Regular APR
20.99% to 29.99% variable
Intro Offer
Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
Read More

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Hilton Honors American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Hilton Honors American Express Card

If you're not sure you'll get enough value from the Hilton Honors American Express Surpass® Card to offset the annual fee, consider the Hilton Honors American Express Card with no annual fee. The card gives you Hilton Honors Silver status and has no foreign transaction fees. You'll earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card. You'll also earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. (See Rates & Fees)

For rates and fees of the Hilton Honors American Express Surpass® Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD USAA Rate Advantage Visa Platinum Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

USAA® Rate Advantage Visa Platinum® Card

Terms Apply

The information for the USAA® Rate Advantage Visa Platinum® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

USAA® Rate Advantage Visa Platinum® Card

Though there are no rewards or welcome offers, the USAA® Rate Advantage Visa Platinum® Card has one of the lowest starting APRs around.

Credit Needed

Good/Excellent

Annual Fee

$0

Pros

  • The USAA® Rate Advantage Visa Platinum® Card has no annual fee and no foreign transaction fee.

  • Get a 15-month 0% introductory APR on balance transfers posted within the first 90 days of opening the account.

  • The card offers travel benefits, including auto rental coverage, travel accident insurance, trip cancellation and interruption coverage and baggage delay and reimbursement.

Cons

  • You have to be or become a member of USAA to apply for the card, which has qualification requirements.

  • This card does not earn any rewards for purchases.

  • There is no introductory APR on purchases.

  • The balance transfer fee of 5% of the transferred amount is higher than the 3% offered by some other cards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

A no-frills credit card, the USAA® Rate Advantage Visa Platinum® Card does not earn rewards but offers a low starting interest rate instead. The most creditworthy card applicants can qualify for a 12.15% annual percentage rate, and all cardholders get a 15-month 0% introductory APR on balance transfers posted within the first 90 days of opening the account. After that, the credit card applies the same APR to purchases, balance transfers and cash advances. There is no annual fee for the USAA® Rate Advantage Visa Platinum® Card.

  • Issuer NameUSAA
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR11.65% to 28.65%
  • Penalty APRNone
  • Balance Transfer Fee5%
  • Cash Advance Fee3% of the amount of each cash advance

Yes, if you:

  • Aren’t looking for any rewards
  • Occasionally revolve a balance and want a low APR
  • Would like a no-annual-fee card with travel benefits and no foreign transaction fee

If you’re a balance revolver who wants to get this card primarily for its lower APR, make sure you have strong enough credit to be offered the lower end of the rate range. Less creditworthy applicants might be offered an APR as high as 29.15%. Beyond that, the card is also good for transferring a balance, thanks to its 15-month 0% introductory APR on balance transfers posted within the first 90 days of opening the account.

Editor's Take

With no bells and whistles to offer beyond interest savings, this card’s main draw is its low APR and its balance transfer offer. Still, you’ll need to have good credit to qualify for the low APR, and the 5% balance transfer fee is higher than the 3% fee offered by some other cards. It could be a good option if you’re navigating ways to manage your debt and already have an affiliation with USAA. Otherwise, you can find more value from other credit cards that offer rewards, cash back or welcome bonuses.

Dawn PapandreaContributor

The USAA® Rate Advantage Visa Platinum® Card does not have a welcome offer.

The USAA® Rate Advantage Visa Platinum® Card doesn’t earn rewards. To maximize this card, use it as a tool as you learn how to keep your credit card balances in check. If you overspend and have to carry a balance, at least your APR will be lower than most cards. Once you make paying your bill in full a regular habit, it’s probably best to find a better card.

The information for the BankAmericard® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in 0% Introductory APR Credit Cards
BankAmericard® Credit Card

Terms Apply

More Info
Read More

The information for the BankAmericard® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

BankAmericard® Credit Card

The BankAmericard® Credit Card is another card with a relatively low APR compared to others at 15.49% to 24.49% variable APR. Though not as low as the USAA® Rate Advantage Visa Platinum® Card, it has a superior introductory 0% APR offer. You’ll get 18 months of no interest on both purchases and balance transfers. The other selling point is that anyone can apply for the BankAmericard® Credit Card, unlike the USAA® Rate Advantage Visa Platinum® Card, which requires military affiliation or family membership.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Miles & More World Elite Mastercard 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Miles & More World Elite Mastercard®

Terms Apply

The information for the Miles & More World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Miles & More World Elite Mastercard®

If you fly Lufthansa frequently, the card's rewards and perks could be worthwhile, but there's an annual fee.

Credit Needed

Good/Excellent

Annual Fee

$89

Rewards Rate

2X Miles per dollar spent on ticket purchases directly from Miles & More integrated airline partners

Pros

  • After making your first card purchase, you'll get an economy class companion ticket and then one for each anniversary.

  • The Miles & More World Elite Mastercard® offers cardholders two Lufthansa Business Lounge vouchers every year when you pay your annual fee.

  • The Miles & More World Elite Mastercard® has no foreign transaction fee.

Cons

  • Miles & More World Elite Mastercard® holders must pay an annual fee of $89.

  • The 15-month introductory APR period is only for balance transfers, not purchases.

  • There are no other bonus reward categories beyond spending with airline partners.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Miles & More World Elite Mastercard® is a travel rewards card associated with Lufthansa and partner airlines. The card's rewards program offers 2 miles per dollar for purchases at airline partners and 1 mile per dollar on all other purchases. You'll earn 50,000 bonus miles if you make $3,000 in purchases within the first 90 days and pay the annual fee of $89. The card also has a 15-month 0% introductory annual percentage rate offer on balance transfers made within 45 days of account opening.

  • Issuer NameBarclays
  • Credit NeededGood/Excellent
  • Annual Fee$89
  • Regular APR20.74%, 24.74% or 29.74%, based on your creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Fly frequently with Lufthansa or partner airlines. 
  • Will use the companion pass and Lufthansa Business Lounge vouchers.
  • Don't mind paying an annual fee.

Earn the welcome offer, enjoy the card benefits and book your Lufthansa and partner flights with the card to make the most of it. Because the card doesn't have bonus categories other than airline purchases, you might want to pair it with another rewards card with better earnings for the things you spend the most on.

Editor's Take

Co-branded airline cards can be a good tool for frequent flyers who are loyal to one airline (and its partners), as is the case with the Miles & More World Elite Mastercard®. Taking advantage of the annual companion ticket and Lufthansa Business Lounge vouchers can justify the card's annual fee. If you don't fly Lufthansa and its partners exclusively, then a more general travel card would suit you better.

Dawn PapandreaContributor

Earn 50,000 bonus miles if you make $3,000 in purchases within the first 90 days and pay the annual fee of $89.

Given you receive double miles with the Miles & More World Elite Mastercard® on purchases at Lufthansa and partner airlines, maximizing your rewards means using the card to book flights. You can also earn a 50,000-mile sign-up bonus by making $3,000 in purchases within the first 90 days.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture Rewards Credit Card

If you want a travel rewards card with more flexibility, consider the Capital One Venture Rewards Credit Card, which has an annual fee of $95. The Capital One Venture Rewards Credit Card earns a flat 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. It also has a higher welcome offer of 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening. The Capital One Venture Rewards Credit Card does not have comparable benefits to the Miles & More World Elite Mastercard® free annual companion pass and Lufthansa Business Lounge vouchers. (See Rates & Fees)

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Gold Delta SkyMiles Business Credit Card from American Express Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Delta SkyMiles® Gold Business American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Gold Business American Express Card

Business travelers can get value from the Delta SkyMiles® Gold Business American Express Card if they fly frequently with Delta Air Lines.

Credit Needed

Excellent, Good

Annual Fee

$0 introductory annual fee for the first year, then $150

Intro Offer

Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

2X Miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.

Pros

  • Statement credits can offset the annual fee.

  • You can earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

  • Delta purchases earn 2 miles per dollar.

Cons

  • $0 introductory annual fee for the first year, then $150.

  • There's no introductory annual percentage rate.

  • Unlike many airline cards, the card doesn't offer airport lounge access.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

A co-branded airline rewards card, the Delta SkyMiles® Gold Business American Express Card can offer value with rewards and benefits for businesses that fly with Delta Air Lines. Cardholders can earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases. You can also earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

The major benefits include an annual statement credit up to $150 for prepaid hotels or vacation rentals booked with Delta and a $200 Delta flight credit after you spend $10,000 in purchases in a year. You'll also get a 15% discount when booking Delta award travel. Your first checked bag is free, and you can get a 20% statement credit on in-flight purchases.

The Delta SkyMiles® Gold Business American Express Card has a $0 introductory annual fee for the first year, then $150. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$0 introductory annual fee for the first year, then $150
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Fly Delta Air Lines frequently for business travel.
  • Want to earn elevated rewards on Delta Air Lines.
  • Want priority boarding and free checked bags.

Earning miles and flight credit is the best way to use the Delta SkyMiles® Gold Business American Express Card. You can start by planning to earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. Spend $4,000 more for a total of $10,000 in the first year, and you'll earn a $200 Delta flight credit. The credit is available any year you spend at least $10,000 on the card.

You can also take advantage of a $150 statement credit by booking a prepaid hotel with Delta Stays. This credit applies every year with no spending requirement. If you take advantage of the maximum flight and hotel credits, statement credits are worth up to $350.

Another way to make the most of this card is by using your airline benefits. You can board early with Main Cabin 1 priority boarding, and you'll get your first checked bag free. Onboard, you can benefit from a 20% statement credit on in-flight purchases such as food and beverages.

You'll also get baggage insurance and car rental loss and damage insurance.

Editor's Take

Your business can get value from the Delta SkyMiles® Gold Business American Express Card even if you only fly with Delta once or twice a year. If you spend $10,000 or more on the card each year, you'll earn a $200 Delta flight credit. That more than offsets the $150 annual fee that applies after the first year. You can also get your value back by using the up to $150 annual statement credit for hotel stays booked with Delta. And you can save $60 round-trip by getting your first checked bag free. (See Rates & Fees)

Jessica MerrittContributor

Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earning the Delta SkyMiles® Gold Business American Express Card's earn 60,000 Bonus Miles- mile sign-up bonus is a great way to kick off miles earning with the card. You'll need to spend $6,000 within the first six months of opening your account to qualify for the bonus, so plan your budget to meet this minimum spending requirement.

You'll earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card
Rates and Fees

Terms Apply

Annual Fee
$350
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards
1.5X Miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Best in Travel Credit Cards

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$95
Regular APR
19.99% - 29.49% (Variable)
Intro Offer
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Rewards
2X Miles per dollar on every purchase, every day.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Business Credit Cards
Delta SkyMiles® Platinum Business American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Platinum Business American Express Card

Delta loyalists may consider the next step up in Delta business cards, the Delta SkyMiles® Platinum Business American Express Card. The card has a higher annual fee of $350 but offers credits and perks that can make up for the cost. This card earns 3 miles per dollar with Delta and hotels and 1.5 miles per dollar on transit, eligible U.S. shipping purchases and purchases of $5,000 or more. You'll earn 1 Mile on every eligible dollar spent on other purchases. New cardholders earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. (See Rates & Fees)

You can take advantage of extensive credits and benefits, including an annual $200 Delta Stays credit, $120 Resy credit for eligible restaurants and up to $120 ride-hailing credit. Every year after renewing your card, you'll get a companion certificate, your first checked bag free and will be on the complimentary upgrade list with each Delta flight you take.

For rates and fees of the Delta SkyMiles® Gold Business American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Simmons Bank Visa Platinum Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Simmons Visa®

Terms Apply

The information for the Simmons Visa® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Simmons Visa®

The Simmons Visa® has a low interest rate and no annual fee.

Annual Fee

$0

Pros

  • $0 annual fee.

  • The card offers a 12-month 0% annual percentage rate on balance transfers made within 60 days of opening an account.

  • Benefits include travel accident insurance and car rental coverage.

Cons

  • The card doesn't earn rewards.

  • Balance transfers within the first 60 days require a 5% balance transfer fee or a $10 minimum, whichever is greater.

  • There's a 2% foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Simmons Visa® is a basic no-frills credit card that offers a low interest rate and has no annual fee. New Simmons Visa® cardholders will get a 12-month 0% annual percentage rate on balance transfers made within 60 days of opening an account. After that, there's a 15.50% to 23.50% variable APR.

  • Issuer NameSimmons Bank
  • Annual Fee$0
  • Regular APR15.50% to 23.50% variable APR
  • Penalty APRNone
  • Balance Transfer Fee5% balance transfer fee or a $10 minimum, whichever is greater
  • Cash Advance Fee3% of the amount of each cash advance, but not less than $4
  • Foreign Transaction Fee2%

Yes, if you:

  • Need to transfer a balance and pay it off during a no-interest period
  • Don't want to pay an annual fee
  • Can benefit from a low APR

The Simmons Visa® offers a 12-month 0% annual percentage rate on balance transfers made within 60 days of opening an account. While you'll pay a 5% balance transfer fee or a $10 minimum, whichever is greater, that can offer savings if you face high interest charges with another card. Just be sure to divide your balance by 12 to calculate how much you'll need to pay each month so you can pay off the balance before interest charges apply.

Editor's Take

The Simmons Visa® can be a good option if you need a card with no annual fee and low interest options. It comes with a 12-month 0% annual percentage rate on balance transfers made within 60 days of opening an account. But if you're looking for lengthy 0% periods, rewards or more cardholder perks, look elsewhere.

Jessica MerrittContributor

There's no welcome offer with the Simmons Visa®.

The Simmons Visa® doesn't earn rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Travel Rewards Credit Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Travel Rewards credit card
Rates and Fees

Terms Apply

More Info

The information for the Bank of America® Travel Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Travel Rewards credit card

The Bank of America® Travel Rewards credit card allows cardholders to earn unlimited 1.5 points per $1 spent on all purchases on every purchase for no annual fee and redeem these points with any hotel or airline with no blackout dates.

Credit Needed

Excellent/Good

Annual Fee

$0

Intro Offer

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

Rewards Rate

1.5X Points per dollar spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire

Pros

  • The Bank of America® Travel Rewards credit card offers a 0% intro APR for 15 billing cycles for purchases.

  • Rewards are unlimited and at a higher base rate than many other cards.

  • Rewards do not expire and can be redeemed with any airline or hotel with no blackout dates.

Cons

  • The card doesn't offer categories that earn a higher rate.

  • If you redeem rewards for a regular statement credit, the points value is lower.

  • To be a Preferred Rewards member with a points boost, you must maintain a balance starting at $20,000.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Travel Rewards credit card is a no-annual-fee card that earns an unlimited 1.5 points per $1 spent on all purchases on every purchase. Points can be redeemed for travel rewards, including flights, hotels and vacation packages.

New cardholders who make at least $1,000 in purchases in the first 90 days of account opening can earn 25,000 online bonus points, which can be redeemed as a statement credit toward travel purchases valued at $250. If you have a banking relationship with Bank of America and maintain a high enough balance average to be a Preferred Rewards member, you can earn 25% to 75% more points with each purchase depending on your tier.

The Bank of America® Travel Rewards credit card also offers a 0% intro APR for 15 billing cycles for purchases. After that, there is a 18.74% to 28.74% variable APR on purchases and balance transfers APR. Cardholders can take advantage of benefits, including free monthly FICO® credit score access, account alerts for balances and due dates, and digital wallet technology.

  • Issuer NameBank of America
  • Credit NeededExcellent/Good
  • Annual Fee$0
  • Regular APR18.74% - 28.74% Variable APR on purchases and balance transfers
  • Penalty APRup to 29.99% APR
  • Purchases Intro APR0% Intro APR for 15 billing cycles for purchases
  • Balance Transfer Fee3% for 60 days from account opening, then 4%
  • Cash Advance FeeSee terms

Yes, if you:

  • Are looking for a card with a simple points-based rewards program.
  • Don't want to pay an annual fee for a travel rewards card.
  • Want a 0% intro APR for 15 billing cycles for purchases.

The Bank of America® Travel Rewards credit card won't cost you an annual fee, and it earns solid flat-rate rewards. You could take advantage of the 0% intro APR for 15 billing cycles for purchases offer to pay off a large purchase or transfer a balance to the card.

One way to optimize this card is to pair it with another rewards card that earns a higher bonus rate in your top spending categories. For example, you could get a card that rewards you three points per dollar or more on groceries and gas, and then any spending outside of those categories, you can use the Bank of America® Travel Rewards credit card and earn the 1.5 points per $1 spent on all purchases rate, which is typically higher than the one-point base rate many tiered rewards cards have.

Editor's Take

The Bank of America® Travel Rewards credit card can be a good card for fee-averse consumers who want a credit card with a straightforward rewards structure. The rewards you earn are flexible; you can redeem them with any hotel or airline and with no blackout dates. This card can be especially beneficial for Preferred Rewards members, who can earn 25% to 75% more points on each purchase. If you prioritize a card with more earning power in specific categories, then you’re better off shopping around.

Dawn PapandreaContributor

You can earn 25,000 online bonus points, worth $250 in statement credit toward travel and dining purchases with the Bank of America® Travel Rewards credit card if you spend $1,000 in purchases in the first 90 days of account opening.

Earning rewards with the Bank of America® Travel Rewards credit card is simple. With no bonus categories, this card earns an unlimited 1.5 points per $1 spent on all purchases on every purchase. You can maximize your rewards by earning 25,000 online bonus points if you spend at least $1,000 in purchases in the first 90 days of account opening. That can be a $250 statement credit toward travel purchases.

You have redemption flexibility as well. When you use your card to pay for travel or dining purchases, including flights, hotel stays, vacation rentals, baggage fees, restaurants or takeout, you can redeem rewards for a statement credit.

You’ll get the best redemption value when you redeem your points for a travel credit. One point is worth 1 cent, which means 2,500 points equal $25. Points redeemed for cash are worth just 0.6 cent, so that same 2,500 points translates to $15, and gift card redemption value varies.

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
20,000 Miles once you spend $500 on purchases within 3 months from account opening
Rewards
5X Miles per dollar on hotels and rental cars booked through Capital One Travel.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Discover it® Miles

Discover it® Miles
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the Miles you’ve earned at the end of your first year.
Rewards
1.5X Miles on every dollar of every purchase
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Discover It Balance Transfer Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Discover it® Balance Transfer

Terms Apply

The information for the Discover it® Balance Transfer Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Discover it® Balance Transfer

The 0% Intro APR for 15 months on purchases and balance transfers; then a 18.24% to 28.24% Variable APR applies. 3% Intro Balance Transfer Fee until September 10, 2024 and up 5% fee for future balance transfers. on balance transfers could help you pay off debt or finance a big purchase, but factor in the balance transfer fee and know when the regular rate kicks in.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Pros

  • Offers a 0% Intro APR for 6 months on purchases on purchases and 0% Intro APR for 15 months on purchases and balance transfers; then a 18.24% to 28.24% Variable APR applies. 3% Intro Balance Transfer Fee until September 10, 2024 and up 5% fee for future balance transfers. on balance transfers.

  • Earns 5% cash back on purchases in quarterly rotating categories.

  • Discover will match all the cash back you’ve earned at the end of your first year.

Cons

  • The 5% cash back bonus requires activating categories each quarter.

  • You can only earn 5% up to a limit, such as the first $1,500 each quarter, and the limit may change.

  • Limited cardholder benefits.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Discover it® Balance Transfer card has a $0 annual fee and offers a 0% Intro APR for 15 months on purchases and balance transfers; then a 18.24% to 28.24% Variable APR applies. 3% Intro Balance Transfer Fee until September 10, 2024 and up 5% fee for future balance transfers. on balance transfers and 0% Intro APR for 6 months on purchases on purchases, after which a 18.24% to 28.24% variable APR applies. You can expect to pay a fee to transfer a balance: 0% intro balance transfer fee, up to 5% fee on future balance transfers (see terms).

You'll earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically. Quarterly maximums may change. Also, Discover will match all the cash back you’ve earned at the end of your first year.

  • Issuer NameDiscover
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR18.24% to 28.24% Variable APR
  • Penalty APRNone
  • Purchases Intro APR0% Intro APR for 6 months on purchases
  • Balance Transfer Fee0% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Need an 0% Intro APR for 15 months on purchases and balance transfers; then a 18.24% to 28.24% Variable APR applies. 3% Intro Balance Transfer Fee until September 10, 2024 and up 5% fee for future balance transfers. on balance transfers to pay off debt.
  • Want to earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
  • Prefer not to pay an annual fee.

With a $0 annual fee and a 0% Intro APR for 15 months on purchases and balance transfers; then a 18.24% to 28.24% Variable APR applies. 3% Intro Balance Transfer Fee until September 10, 2024 and up 5% fee for future balance transfers. on balance transfers, the Discover it® Balance Transfer card can give you a year and a half to pay down or pay off high-interest debt. Just make sure to transfer the balance by the date Discover specifies to get the lower transfer fee. Do the math to figure out how much you need to pay each month to pay the balance in full before the introductory rate expires. It's best to avoid making new charges while you're paying off a balance transfer, as that can impede your payoff progress.

After you pay off the balance transfer, the Discover it® Balance Transfer card is a solid rewards-earning card. If you can keep track of the rotating bonus categories and activate your bonus, you can earn 5% cash back on purchases up to a limit in qualifying categories each quarter.

Editor's Take

The Discover it® Balance Transfer card is a good choice if you need to take advantage of a balance transfer but want a card that offers value after you've paid off your balance. You could use the card's 0% Intro APR for 15 months on purchases and balance transfers; then a 18.24% to 28.24% Variable APR applies. 3% Intro Balance Transfer Fee until September 10, 2024 and up 5% fee for future balance transfers. on balance transfers to pay off debt, then switch to rewards-earning mode. With a $0 annual fee, it's easy to get a good value from this card.

If you're less concerned with rewards than maximizing your interest-free time, consider the Citi Simplicity® Card, which doesn't earn rewards but has a 21 months on Balance Transfers. That could help you stretch out monthly payments to make them lower.

Jessica MerrittContributor

The Discover it® Balance Transfer card doesn't offer a sign-up bonus, but Discover will match all the cash back you’ve earned at the end of your first year.

With the Discover it® Balance Transfer, cardholders can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically. Also, Discover will match all the cash back you’ve earned at the end of your first year.

Cash back rewards never expire and can be redeemed in any amount at any time. You may redeem cash back as a statement credit, a deposit into your bank account or as a donation to charities.

Citi Simplicity® Card

Citi Simplicity® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.24% (Variable)
Intro Offer
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Read More

The information for the Citi Simplicity® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

If you're seeking more straightforward rewards earnings paired with a long introductory APR for balance transfers, consider the Citi Double Cash® Card. Like the Discover it® Balance Transfer card, the Citi Double Cash® Card offers an 0% introductory APR on balance transfers for 18 months on Balance Transfers. After that, the APR will be 18.49% to 28.49% (variable), based on your creditworthiness. It earns 2% cash back – 1% when you buy plus 1% as you pay– along with the ability to earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Through the end of 2024, you can earn 5% cash back on hotel and car rentals booked through Citi Travel℠.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Southwest Rapid Rewards Premier Business Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Southwest® Rapid Rewards® Premier Business Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Southwest® Rapid Rewards® Premier Business Credit Card

Business owners who frequently travel with Southwest Airlines can benefit from this card.

Credit Needed

Excellent, Good

Annual Fee

$99

Intro Offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Rewards Rate

3X points on Southwest Airlines® purchases.

Pros

  • Earn three points per dollar on Southwest Airlines purchases.

  • Get two Southwest EarlyBird Check-Ins per year.

  • Earn a 60,000-point bonus after you spend $3,000 on purchases in the first 3 months your account is open.

Cons

  • There's a $99 annual fee.

  • Lacks bonus rewards for non-Southwest purchases.

  • You can't get a 0% introductory APR on purchases or balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Southwest® Rapid Rewards® Premier Business Credit Card is designed for small business owners who travel. The card's rewards program allows you to earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 1 point per $1 spent on all other purchases. The card charges a $99 annual fee.

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. You will earn a 6,000-point bonus every year after your cardholder anniversary. The annual percentage rate for purchases and balance transfers is 20.74% to 27.74% variable.

The card comes with airline perks such as early check-in and 25% back on in-flight purchases. There are also no foreign transaction fees.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$99
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Frequently fly with Southwest Airlines for business.
  • Can earn the 60,000-point sign-up bonus by meeting the spending requirement.
  • Plan to pay off your balance in full each month to avoid interest charges.

Business owners can benefit from the Southwest® Rapid Rewards® Premier Business Credit Card by using it for Southwest Airlines purchases. When you fly with Southwest Airlines using the card, you'll earn three points per dollar. You also receive two EarlyBird Check-Ins each year. You can also get 25% back as a statement credit when you pay for drinks or Wi-Fi on Southwest flights with the card.

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. You can redeem these points – and the 6,000 annual bonus points you get after your cardholder anniversary – for flights on Southwest Airlines.

Editor's Take

The Southwest® Rapid Rewards® Premier Business Credit Card is good for business owners who fly with Southwest Airlines at least a few times yearly. It has a $99 annual fee, but you can use your benefits and rewards to offset it. The 60,000-point sign-up bonus and 6,000-point annual bonus can offer value in flight redemptions, and the two EarlyBird Check-Ins per year are worth $15 to $25 each – potentially saving you up to $50 annually.

Jessica MerrittContributor

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open. Each year on your cardholder anniversary, you'll earn 6,000 bonus points. It's also a good idea to use the Southwest® Rapid Rewards® Premier Business Credit Card when you book flights with Southwest Airlines, as cardholders earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 1 point per $1 spent on all other purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

The Capital One Spark Miles for Business can offer more flexibility than the Southwest® Rapid Rewards® Premier Business Credit Card, since you'll 2 Miles per $1 on every purchase, everywhere. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. You can earn a 50,000-mile sign-up bonus once you spend $4,500 on purchases within 3 months from account opening. Miles can be redeemed with Capital One Travel or transferred to more than 15 travel loyalty programs. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD FIT Mastercard Credit Card Review| U.S. News
By Austin Cole
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

FIT™ Platinum Mastercard®

Terms Apply

Apply Now

On Continental Finance's Website.

Terms Apply

FIT™ Platinum Mastercard®

This card can help you improve or build your credit, but it comes with steep fees and a high annual percentage rate.

Credit Needed

Fair/Poor/Bad

Annual Fee

See terms

Intro Offer

$400 Initial Credit Limit

Pros

  • It’s easy to access credit and build your credit score with the card’s low eligibility requirements.

  • Benefits include fraud liability coverage and a free monthly credit score check.

Cons

  • You’ll have to pay annual and monthly maintenance fees.

  • There’s no way to earn rewards.

  • You’ll pay a high APR if you carry a balance.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Designed for cardholders looking to rebuild or establish credit, the FIT™ Platinum Mastercard® sends monthly payment reports to all three major credit bureaus. There is an initial $400 credit limit, and you can double your credit limit after making your first six monthly minimum payments on time. Cardholders have access to Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines), and you can view your credit score each month when you enroll in e-statements. While you can build credit with this card, you’ll pay a $95 initial processing fee, a See terms annual fee. You'll pay no monthly maintenance fee in the first year, and $12.50 thereafter and won’t earn rewards.

  • Issuer NameThe Bank of Missouri
  • Credit NeededFair/Poor/Bad
  • Annual FeeSee terms
  • Regular APR35.90% Fixed
  • Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee3% of each transaction in U.S. dollars
Apply Now

On Continental Finance's Website.

Yes, if you:

  • Need to rebuild or establish credit but don't want to pay a security deposit.
  • Don't plan to carry a balance on your card.
  • Can budget for the card's fees.

Using the FIT™ Platinum Mastercard® should be done with the sole objective of rebuilding credit. With no way to earn rewards, cardholders should focus on keeping their monthly spending below 30% of their credit limit and making monthly payments consistently on time. The FIT™ Platinum Mastercard® also has a high APR compared to other similar cards, so try to avoid carrying a balance.

Cardholders can double their credit limit by making their first six monthly minimum payments on time.

Editor's Take

While the FIT™ Platinum Mastercard® serves well for credit rebuilding, its large and atypical fees, coupled with no way to earn rewards, leaves much to be desired. Cardholders will have to pay a one-time processing fee of $95, an annual fee of See terms and a $12.50 monthly maintenance fee, which is waived for the first year.

For those looking to rebuild their credit, earn rewards and avoid fees, consider the Discover it® Secured Credit Card, which allows cardholders to earn cash back without an annual or monthly maintenance fee.

Austin ColeContributor

The FIT™ Platinum Mastercard® does not have any welcome offers or sign-up bonuses.

There are no ways to earn rewards with the FIT™ Platinum Mastercard®. Instead, cardholders should focus on keeping their credit utilization rate low and payments consistent in order to boost their credit score.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

Unlike the FIT™ Platinum Mastercard®, the Discover it® Secured Credit Card charges no annual or monthly fees. And while the FIT™ Platinum Mastercard® lacks rewards, Discover it® Secured Credit Card holders can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. Discover will match all the cash back you’ve earned at the end of your first year. Your credit limit for the Discover it® Secured Credit Card is based on the amount of your refundable security deposit, starting at as low as $200.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Chevron and Texaco Techron Advantage Visa Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Techron Advantage® Visa Card

Terms Apply

The information for the Techron Advantage® Visa Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Techron Advantage® Visa Card

The Techron Advantage® Visa Card offers fuel credits for regular gas purchases.

Annual Fee

$0

Pros

  • $0 annual fee.

  • You can earn rewards at Chevron and Texaco and on other purchases.

  • You’ll earn 35 cents per gallon in fuel credits at Chevron and Texaco stations for the first 90 days.

Cons

  • Rewards are limited to Chevron and Texaco fuel credits.

  • Earning top-level rewards requires spending $500 monthly on grocery, dining or travel and filling up with supreme-grade fuel using the app.

  • A maximum of $300 in fuel credits from non-fuel merchants can be earned each year.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

With the Techron Advantage® Visa Card, you can earn fuel credits to use at Chevron and Texaco gas stations. You’ll earn 3 cents per gallon in fuel credits when you buy gas at Chevron or Texaco using your card. For a limited time, you’ll earn 15 cents per gallon spent when using the Chevron or Texaco app. When you use your Techron Advantage® Visa Card outside of fuel merchants – such as grocery, travel or dining purchases – you can earn up to an extra 10 cents per gallon in fuel credits depending on how much you spend each billing period.

New cardholders can earn 35 cents per gallon in fuel credits at Chevron and Texaco stations for the first 90 days. The Techron Advantage® Visa Card has no annual fee. Other benefits include cellphone protection (up to $300 per claim) and six-month promotional financing at auto merchants for purchases over $199.

  • Issuer NameSynchrony Bank
  • Annual Fee$0
  • Regular APR29.99%
  • Penalty APRNone
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3% of each transaction

Yes, if you:

  • Fill up frequently with Chevron or Texaco
  • Are comfortable using an app to pay for gas
  • Don’t want to pay an annual fee

The Techron Advantage® Visa Card’s rewards can be a little tough to understand, so ensure you’re clear on the fine print to maximize your rewards. To earn the most at the pump, you must use the Chevron or Texaco app and pay with your card. If you want to earn up to an extra 10 cents per gallon in fuel credits, you’ll need to spend at least $500 a month on groceries, dining or travel.

Editor's Take

You’ll have to jump through some hoops to earn top-level fuel credit rewards with the Techron Advantage® Visa Card. It requires using the Chevron or Texaco app when you fill up, and you’ll need to spend at least $500 in non-fuel purchases to earn an additional 10 cents per gallon in fuel credits, though you may earn better rewards on those purchases with a different card.

Jessica MerrittContributor

New cardholders of the Techron Advantage® Visa Card earn 35 cents per gallon in fuel credits at Chevron and Texaco stations for the first 90 days.

You’ll earn fuel credits using your Techron Advantage® Visa Card to fill up at Chevron and Texaco stations. When you pay using the card, you’ll earn 3 cents per gallon in fuel credits when you buy gas at Chevron or Texaco using your card. Use your Techron Advantage® Visa Card on qualifying nonfuel purchases and you’ll earn between 2 to 10 cents per gallon in fuel credits depending on your monthly spending – $100 in spending earns 2 cents per gallon, while $500 earns 10 cents per gallon in fuel credits.

After you open a Techron Advantage® Visa Card, you’ll earn 35 cents per gallon in fuel credits at Chevron and Texaco stations for the first 90 days.

For a limited time, earn 15 cents per gallon spent when using the Chevron or Texaco app.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers cash back rewards on gas and other everyday purchases. Like the Techron Advantage® Visa Card, it has no annual fee. Using the Blue Cash Everyday® Card from American Express, you’ll earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. You’ll also earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Southwest Rapid Rewards Performance Business Credit Card
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Southwest® Rapid Rewards® Performance Business Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Southwest® Rapid Rewards® Performance Business Credit Card

Businesses can use the Southwest® Rapid Rewards® Performance Business Credit Card to earn Southwest Airlines rewards and use travel benefits.

Credit Needed

Excellent, Good

Annual Fee

$199

Intro Offer

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

Rewards Rate

4X points per $1 spent on Southwest® purchases.

Pros

  • Earn four points per dollar on Southwest Airlines purchases.

  • New cardholders can after you spend $5,000 on purchases in the first 3 months from account opening.

  • You can take advantage of upgraded boardings and free Wi-Fi credits.

Cons

  • $199 annual fee

  • No introductory annual percentage rate

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Business travelers who frequently fly on Southwest Airlines can benefit from the Southwest® Rapid Rewards® Performance Business Credit Card. Cardholders earn 4 points per $1 spent on Southwest® purchases. Earn 3 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 2 points per $1 spent on social media and search engine advertising, internet, cable, and phone services. Earn 1 point per $1 spent on all other purchases.

Cardholders can also earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening. You will also receive 9,000 bonus points each year on your account anniversary.

The card's travel benefits can be useful if you or your employees fly frequently with Southwest Airlines. You get four boarding upgrades per year, when available, and up to 365 in-flight Wi-Fi credits each year.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$199
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Frequently fly with Southwest Airlines for business.
  • Can get enough value from the card to offset the annual fee.
  • Plan to pay off your balance each month to avoid interest charges.

The Southwest® Rapid Rewards® Performance Business Credit Card earns four points per dollar on Southwest Airlines purchases, so it's a natural choice to use any time you book business travel with Southwest. Plan to spend at least $5,000 within the first three months of opening your account so you can earn the 80,000-point sign-up bonus.

Also plan to take advantage of your cardholder benefits with Southwest Airlines. You can use up to four upgraded boardings each year and get 365 in-flight Wi-Fi statement credits – with each credit worth $8 – annually. You can also get a $120 statement credit for Global Entry, TSA PreCheck or Nexus application fees.

Editor's Take

Businesses that frequently fly with Southwest Airlines can take advantage of the rewards and benefits offered by this card. You can after you spend $5,000 on purchases in the first 3 months from account opening, and you'll earn an ongoing four points per dollar on Southwest Airlines purchases.

While the $199 annual fee may be steep for some businesses, you can get a lot of value from the 80,000-point sign-up bonus and annual 9,000-point card anniversary bonus, along with the upgraded boarding and Wi-Fi credits.

Jessica MerrittContributor

New cardholders can earn 80,000 points points after you spend $5,000 on purchases in the first 3 months from account opening.

Earning the 80,000-point sign-up bonus is a good way to boost your rewards with the Southwest® Rapid Rewards® Performance Business Credit Card. Remember you'll only after you spend $5,000 on purchases in the first 3 months from account opening.

This card is also a good choice for Southwest Airlines purchases, which you'll earn four points per dollar on. And each year you keep the card open and pay your annual fee, you'll earn 9,000 bonus points.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Business Credit Cards
Southwest® Rapid Rewards® Premier Business Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Southwest® Rapid Rewards® Premier Business Credit Card

If the $199 annual fee is too steep for your business, consider the Southwest® Rapid Rewards® Premier Business Credit Card. It's one step down from the Southwest® Rapid Rewards® Performance Business Credit Card and has a $99 annual fee.

Cardholders of the Southwest® Rapid Rewards® Premier Business Credit Card can earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open and the card offers a 6,000-point anniversary bonus each year. You'll also earn 3 points per $1 spent on Southwest® purchases. Earn 2 points per $1 spent on Rapid Rewards® hotel and car rental partners. Earn 2 points per $1 spent on local transit and commuting, including rideshare. Earn 1 point per $1 spent on all other purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Priceline VIP Rewards™ Visa® Card 2024 Review | US News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Priceline Rewards™ Visa® Card

Terms Apply

The information for the Priceline Rewards™ Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Priceline Rewards™ Visa® Card

Get Priceline status and earn bonus points for qualifying purchases.

Annual Fee

$0

Rewards Rate

5X Points on eligible Priceline.com purchases.

Pros

  • Earn five points per dollar on Priceline purchases.

  • Get Priceline VIP status with hefty discounts.

  • $0 annual fee

Cons

  • No 0% introductory APR for purchases.

  • Limited bonus rewards categories.

  • You'll have to spend $10,000 annually to get the Global Entry or TSA PreCheck application fee credit.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Priceline Rewards™ Visa® Card offers five points per dollar on Priceline bookings, two points per dollar on gas and restaurant purchases and one point per dollar on all other purchases. New cardholders can get 10,000 bonus points after spending $1,000 on the card within the first 90 days – that translates to a $100 statement credit. There's also a 15-month 0% introductory annual percentage rate on balance transfers made within 45 days of opening the account.

You'll automatically get Priceline VIP Gold status, which comes with a best price guarantee, discounts up to 50% off on hotels and up to 20% off on rental cars, priority customer service and more. Cardholders who spend $10,000 on purchases within their card membership year can also get a credit up to $100 for Global Entry or TSA PreCheck fees.

  • Issuer NameBarclays
  • Annual Fee$0
  • Regular APR20.74%, 25.74%, or 29.99% variable based on your creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Often use Priceline to book travel and can maximize the 5% rewards category.
  • Can use a 15-month 0% introductory annual percentage rate on balance transfers made within 45 days of opening the account.
  • Will spend $1,000 on the card within the first 90 days to earn the sign-up bonus.

You'll get the most value from the Priceline Rewards™ Visa® Card when you use it to make purchases with Priceline. These purchases earn five points per dollar, and with automatic Priceline VIP Gold status, you can get up to 50% off on hotels. You should plan to spend $1,000 on the card within the first 90 days of opening your account so you can earn 10,000 bonus points, worth $100 as a statement credit.

If you want to take advantage of the card's $100 Global Entry or TSA PreCheck application fee credit, you'll need to spend at least $10,000 each card membership year.

Editor's Take

If you frequently book travel on Priceline, the Priceline Rewards™ Visa® Card can save you money. You'll earn points that you can use for statement credits and other redemptions and access discounts as a Priceline VIP Gold member. However, if you usually book travel directly with airlines, hotels or cruise lines, you won't get much value from the card.

In addition to discounts, the Priceline Rewards™ Visa® Card offers a maximum $100 statement credit for Global Entry or TSA PreCheck application fees. You'll need to spend at least $10,000 during your account anniversary year to qualify for the statement credit. You could potentially get statement credits for both Global Entry and TSA PreCheck if you stretch out your applications over two account anniversary years.

Jessica MerrittContributor

New cardholders of the Priceline Rewards™ Visa® Card get 10,000 bonus points after spending $1,000 on the card within the first 90 days of opening an account.

The Priceline Rewards™ Visa® Card earns the most rewards when you book travel with Priceline, so it's a natural choice for those purchases. You'll also earn two points per dollar on gas and restaurant purchases and one point per dollar on all other purchases.

Plan your budget so you can spend $1,000 on the card within the first 90 days of opening your account to earn 10,000 bonus points worth $100 as a statement credit.

You can redeem rewards for statement credits, gift cards and merchandise. Redemptions start at 2,500 points for a $25 Priceline statement credit. There's no limit to the number of points you can earn, and points don't expire.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Another no-annual-fee card that earns travel rewards, cardholders of the Chase Freedom Unlimited® can earn 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases, this card is a good choice for travel and everyday expenses alike.

New cardholders earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Costco Anywhere Visa Card by Citi Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Costco Anywhere Visa® Card by Citi
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi may be a good choice for Costco members who want to earn bonus rewards on gas, dining out and travel in addition to Costco purchases.

Credit Needed

Excellent

Annual Fee

$0

Intro Offer

Discover one of Citi's best cash back rewards cards designed exclusively for Costco members

Rewards Rate

4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter

Pros

  • There is no annual fee to use the card, though you’ll need a paid Costco membership.

  • The card has travel-related benefits, including no foreign transaction fee.

  • You'll get strong bonus earnings on Costco purchases, gas, dining out and travel.

Cons

  • You must be a Costco member to apply.

  • The bonus 4% rate on gas and EV charging purchases is capped up to the first $7,000 you spend per year, earning 1% thereafter.

  • There is no sign-up bonus, and rewards are only issued once per year, redeemable for cash or to spend at Costco.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Frequent Costco Wholesale shoppers may find value in the Costco Anywhere Visa® Card by Citi. Some credit cards exclude wholesale club purchases from the grocery bonus rewards category, but the Costco Anywhere Visa® Card by Citi can help fill that gap.

It offers 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.

A Costco membership is required to apply, but the card charges a $0 annual fee with that paid membership. Cash back is provided as an annual credit card reward certificate after your statement closes each February and is redeemable for cash or merchandise at Costco in the U.S. (See Rates & Fees)

  • Issuer NameCiti
  • Credit NeededExcellent
  • Annual Fee$0
  • Regular APR19.74% - 27.74% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Balance Transfer FeeBalance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee0%
Apply Now

On Citi's Website.

Rates & Fees

Yes, if you:

  • Are a Costco member.
  • Spend frequently at Costco, as well as on gas, dining and travel.
  • Don't mind waiting to receive your rewards certificate once per year.

Costco loyalists can use the card for every trip they make to the warehouse store, but you can also earn strong rewards on gas, dining and travel. Just remember that the rewards will accumulate all year and be paid out as one lump sum that can be cashed or used as Costco store credit.

You could use that rewards payment in a variety of ways, whether it's to book a trip through Costco Travel, stock up on home staples or invest the cash amount.

The card also has some travel benefits and consumer protections, including travel accident insurance, roadside assistance, and damage and theft protection, so take advantage of those as needed.

Editor's Take

If you’re an avid Costco shopper who does the bulk of your grocery and household shopping at the warehouse retailer, then the card can be worthwhile for you, especially since there's no annual fee beyond your Costco membership. You will have to wait for your yearly reward certificate to use your rewards in the store or take the cash, but it can be a nice windfall to put toward a large Costco purchase you've been eyeing or to invest in some other way.

It makes less sense to get the card if you do only a small fraction of shopping at Costco. In that case, you might be better served with a card such as the Blue Cash Everyday® Card from American Express, which awards a higher earnings rate at U.S. supermarkets and has more flexible redemption options.

Dawn PapandreaContributor

The Costco Anywhere Visa® Card by Citi does not have a welcome offer.

Cardholders can earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases. If you're not earning that rate on other cards you have, then go ahead and whip out your Costco Anywhere Visa® Card by Citi.

Best in 0% Introductory APR and Balance Transfer Credit Cards

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.74% - 28.74% Variable APR on purchases and balance transfers
Intro Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards
3% Cash back in the category of your choice
Read More

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Balance Transfer Credit Cards
Bank of America® Customized Cash Rewards credit card
Rates and Fees

Terms Apply

More Info
Read More

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card offers a bonus rate on wholesale club purchases (including Costco), plus a slew of other bonus categories, making it a strong card contender for Costco shoppers. First, you get to choose your own 3% cash back category from among qualifying everyday categories. On top of that, you get 2% cash back at grocery stores and wholesale clubs. The earnings rate drops to 1% once you reach $2,500 in combined bonus category spending for the quarter, however.

Other Bank of America® Customized Cash Rewards credit card perks not found on the Costco Anywhere Visa® Card by Citi include 0% intro APR for 15 billing cycles for purchases, and $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Southwest Rapid Rewards Priority Credit Card Review | U.S. News
By U.S. News Staff
|
Updated: Wed Dec 11
By U.S. News Staff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Southwest Rapid Rewards® Priority Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Southwest Rapid Rewards® Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card lets you earn points on all Southwest purchases (both flight and inflight) and has no foreign transaction fee, but comes with a $149 annual fee.

Credit Needed

Excellent, Good

Annual Fee

$149

Intro Offer

Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

Rewards Rate

3X points on Southwest® purchases.

Pros

  • Earn bonus rewards in categories beyond just Southwest bookings, which include two points on local transit and commuting, internet, cable and phone services and select streaming.

  • If you earn the $400 and 40,000 bonus-point welcome offer (after spending $3,000 on purchases in the first 4 months from account opening), you're already on your way to flight savings.

  • You'll get 7,500 bonus points each year on your cardholder anniversary.

  • Cardholders get travel perks like a $75 annual statement credit for Southwest Airlines spending, inflight purchase discounts and boarding upgrades.

  • There's no foreign transaction fee.

Cons

  • There's an annual fee of $149.

  • Though there are a couple of redemption options, you don't have as much flexibility as you might with a general travel card.

  • The card APR range of 20.74% to 27.74% variable is relatively high.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Southwest Rapid Rewards® Priority Credit Card is an airline rewards card. You'll earn three points per dollar on Southwest purchases (flight, inflight and Southwest gift cards), two points on local transit and commuting (including rideshare, passenger trains and more), Rapid Rewards hotel and car rental partners and internet, cable and phone services and select streaming.

Cardholders can earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening. You'll earn 7,500 bonus points annually after your cardholder anniversary. Benefits include a $75 Southwest travel credit each year, 25% back on inflight drinks and Wi-Fi and reimbursements for up to four upgraded boardings per year, allowing you to be among the first to board your flight. The card comes with a $149 annual fee.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$149
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Fly Southwest often.
  • Spend money abroad.
  • Purchase inflight drinks and Wi-Fi.

Take advantage of the Southwest Rapid Rewards® Priority Credit Card benefits, including no foreign transaction fee, a $75 Southwest travel credit each year, up to four annual reimbursements for upgraded boardings and 25% back on inflight drinks and Wi-Fi.

If you want to earn the $400 and 40,000-point sign-up bonus, you'll only receive it after spending $3,000 on purchases in the first 4 months from account opening.

Editor's Take

Airline cards like the Southwest Rapid Rewards® Priority Credit Card can be very lucrative for loyal frequent flyers, but less valuable if you only travel once in a while. With a $149 annual fee, you want to be sure you can at least recoup that cost. Qualifying for the welcome offer is the easiest way to do that in the first year, and then using the card for bonus category spending can help you offset the cost of your flights moving forward.

Dawn PapandreaContributor

Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

The Southwest Rapid Rewards® Priority Credit Card earns the most when you make purchases with Southwest and its partners, although there is some redemption flexibility if you prefer to cash in points for gift cards or merchandise. You'll earn three points per dollar on Southwest purchases, two points on local transit and commuting (including rideshare, passenger trains and more), Rapid Rewards hotel and car rental partners and internet, cable and phone services and select streaming. 1 point per $1 spent on all other purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

If you enjoy saving money on Southwest flights but don't necessarily want rewards tied to one airline, you might consider a more general rewards card like the Chase Sapphire Preferred® Card. Its annual fee of $95 is lower than the Southwest Rapid Rewards® Priority Credit Card. The Chase Sapphire Preferred® Card also has a generous 60,000-point welcome offer, but only after you spend $4,000 on purchases in the first 3 months from account opening.

You'll earn bonus Chase Travel℠ points in categories including dining and travel, but you'll have numerous redemption options when you're ready to cash in. Though you'll typically get the most value by redeeming for travel in the Chase Travel℠ portal, you also have the option to do a 1:1 points transfer to travel partners, which includes Southwest Rapid Rewards along with other airline and hotel loyalty programs.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD American Express® Business Gold Card
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

American Express® Business Gold Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

American Express® Business Gold Card

Businesses can earn flexible rewards and get statement credits that offset the annual fee.

Credit Needed

Excellent, Good

Annual Fee

$375

Intro Offer

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Rewards Rate

4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*

Pros

  • Automatically earn four points per dollar on the qualifying categories where you spend the most.

  • Get business credits that can offset the annual fee.

  • Cardholder benefits can offer perks and peace of mind when you travel.

Cons

  • You can only earn the top-tier rewards on up to $150,000 in combined purchases annually.

  • The $375 annual fee is steep if you can't maximize rewards and benefits.

  • The pay over time annual percentage rate is up to 28.49% if you carry a balance.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The American Express® Business Gold Card is designed for small businesses, offering exceptional value for its $375 annual fee. (See Rates & Fees)

Cardholders can earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*.

New cardholders earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Cardholder benefits include a $240 flexible business credit good for purchases at FedEx, Grubhub and office supply stores and a $155 Walmart+ credit for monthly membership costs. Other benefits of the American Express® Business Gold Card include car rental loss and damage insurance, a baggage insurance plan, property credits and upgrades at The Hotel Collection and Global Assist Hotline access.

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$375
  • Regular APR18.74% - 27.74% Variable
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% on purchases for 6 months from date of account opening
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Can use the FedEx, Grubhub and office supply store credits.
  • Need a Walmart+ membership.
  • Frequently spend in the qualifying business categories.

You'll earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* Plan to open this card when you can meet the spending requirement for the bonus. You should also plan to make purchases in bonus categories that earn four points per dollar with this card, along with flights and prepaid hotels booked on amextravel.com.

However, once your bonus spending hits $150,000 annually, you won't earn more than one point per dollar. If you'll exceed that earning limit, you may want to pair this card with another business card such as the Ink Business Preferred® Credit Card, which earns three points per dollar on the first $150,000 spent in combined qualifying categories. That would give you a total of $300,000 in bonus earning before you need to consider an additional card.

It's also wise to take advantage of the card's monthly statement credit benefits. You'll get up to $20 per month – $240 annually – for U.S. purchases with FedEx, Grubhub and office supply stores. You'll also get a monthly credit for Walmart+ membership worth $155 annually.

Editor's Take

The American Express® Business Gold Card can offer value for businesses that can use the card's perks and maximize rewards. If you'll use the monthly statement credits and frequently spend in the card's bonus categories, this card can make sense for your business.

But if your business doesn't spend much in the card's bonus categories and you don't need a Walmart+ membership or spend $20 per month with FedEx, Grubhub or office supply stores, you might be better off with a card that earns more flexibly. For example, the The American Express Blue Business Cash™ Card has no annual fee and can earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

Jessica MerrittContributor

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

You can earn the most rewards when you earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* You'll also earn four points per dollar on the two categories where your business spends the most each month, including:

  • Advertising with select U.S. media providers.
  • U.S. electronic goods retailers and providers of software and cloud systems.
  • U.S. restaurants.
  • U.S. gas stations.
  • Transit.
  • U.S. wireless phone service providers.

You'll only earn four points per dollar on the first $150,000 spent in two of the eligible bonus categories above, then one point per dollar after that. The card earns an unlimited three points per dollar on flights and prepaid hotels booked on amextravel.com.

You can redeem Membership Rewards points for gift cards, statement credits, travel or pay with points at checkout at eligible merchant partners. There's also an option to transfer points to American Express travel partners.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

Annual Fee
No annual fee
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards
2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express
Rates and Fees

Terms Apply

Annual Fee
$695
Regular APR
18.74% - 27.74% Variable
Intro Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Rewards
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Ink Business Preferred® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card offers similar earning rates to the American Express® Business Gold Card, but a much lower annual fee. For its $95 annual fee, you'll earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. New cardholders can earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

However, the Ink Business Preferred® Credit Card lacks the monthly statement credits offered by the American Express® Business Gold Card. The Ink Business Preferred® Credit Card may be a good choice if you want to earn elevated rewards for business purchases but don't think you'll get the full value from the American Express® Business Gold Card's credits.

For rates and fees of the American Express® Business Gold Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Marriott Bonvoy Bevy™ American Express® Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Marriott Bonvoy Bevy™ American Express® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Marriott Bonvoy Bevy™ American Express® Card

This card comes with solid rewards and perks for Marriott Bonvoy members, but be sure to compare it with lower-cost Marriott cards before committing.

Credit Needed

Good, Excellent

Annual Fee

$250

Intro Offer

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

Rewards Rate

6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.

Pros

  • You’ll earn one free night after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ American Express® Card in a calendar year.

  • There is no foreign transaction fee.

  • You’ll get complimentary Gold Elite status in Marriott Bonvoy, which boosts your hotel purchase earnings by 25%.

Cons

  • The annual fee is $250.

  • There’s a cap on bonus rewards for restaurant and grocery store spending.

  • You won’t get an introductory 0% APR offer on this card.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Marriott Bonvoy Bevy™ American Express® Card is a co-branded hotel rewards card that's worth considering if you regularly stay at hotels that participate in the Marriott Bonvoy program. Cardholders earn a base rewards rate of two points per dollar, and bonus categories offer four or six points per dollar.

Marriott customers can choose among five co-branded consumer cards, so be sure to evaluate all of your options.

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$250
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Frequently stay at Marriott Bonvoy properties.
  • Don't want to pay a foreign transaction fee.
  • Would earn enough points to make the annual fee worth it.

With an annual fee card like this one, be sure you’re taking advantage of the benefits that provide value and offset the cost. For example, spending more than $15,000 in a calendar year earns you a Free Night Award. As a cardholder, you’re also entitled to free in-room, premium internet access. The card can also help you climb the status tiers of the program, as you’ll get 15 Elite Night Credits per calendar year. It’s also good to know that the card comes with protections and benefits including baggage insurance, trip delay insurance, purchase protection and extended warranty coverage.

Editor's Take

With a few Marriott Bonvoy credit cards available, consider how frequently you travel and your level of spending to determine if this mid-tier card is best for you. A quick gauge could be if you will spend more than $15,000 per year, since the Free Night Award you will earn at that point can help offset the annual fee on the card. If not, you might explore the no-annual-fee Marriott Bonvoy Bold® Credit Card. There is also the higher-tier Marriott Bonvoy Brilliant® American Express® Card if you travel frequently and want a faster track to higher status with Marriott.

Dawn PapandreaContributor

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

To maximize rewards, use the card to make eligible Marriott purchases to earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2x points). Earn 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card. It is especially important to use the card when making reservations with Marriott Bonvoy properties, as you'll be eligible for 1,000 bonus points per stay in addition to earning six points per dollar.

You'll redeem your points through Marriott Bonvoy to cover travel expenses such as hotel stays, car rentals and airfare. Other redemption options include donating your points or purchasing gift cards. Keep in mind that point values may vary depending on how you choose to redeem.

It's also possible to transfer your Marriott Bonvoy points to a participating frequent flyer program. For every 60,000 points you transfer, you'll get an extra 5,000 miles from Marriott.

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$395
Regular APR
19.99% - 29.49% (Variable)
Intro Offer
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
10X Miles per dollar on hotels and rental cars booked through Capital One Travel.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card
Rates and Fees

Terms Apply

Annual Fee
$650
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Rewards
6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Venture X Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture X Rewards Credit Card

If you want to enjoy travel rewards without being tied to one hotel chain, the Capital One Venture X Rewards Credit Card provides good value for frequent travelers. The annual fee of $395 is higher than the Marriott Bonvoy Bevy™ American Express® Card, but the perks and benefits can make it worthwhile. New cardholders can earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. Each year on your card anniversary, you’ll get 10,000 bonus miles equal to $100 towards travel. Add the yearly bonus to the $300 annual credit for bookings through Capital One Travel, and you’ve already covered your annual fee. Though you won’t get bonus rewards on dining and groceries like with the Marriott Bonvoy Bevy™ American Express® Card, you’ll earn when you spend $4,000 on purchases in the first 3 months from account opening – with no caps on earnings. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Credit One Bank Platinum Rewards Visa Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Credit One Bank® Platinum Rewards Visa

Terms Apply

The information for the Credit One Bank® Platinum Rewards Visa has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Credit One Bank® Platinum Rewards Visa

This credit card gives people with average credit the opportunity to build credit and earn cash back rewards, but there is a small annual fee.

Credit Needed

Fair, Good

Annual Fee

$39

Rewards Rate

5% Cash back rewards on the first $5,000 of eligible purchases each year (then 1%)

Pros

  • The Credit One Bank® Platinum Rewards Visa offers cash back rewards on eligible purchases.

  • Cardholders get free credit score access.

  • The card allows you to select a payment due date that works for your cash flow management.

Cons

  • You may find higher rewards on comparable cards.

  • Credit One Bank® Platinum Rewards Visaholders must pay a $39 annual fee.

  • The 29.74% (variable rate) APR is higher than average, and there’s no introductory APR offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

If you have average credit, you can apply for the Credit One Bank® Platinum Rewards Visa, which charges a $39 annual fee. The card offers 1% cash back on gas and grocery purchases, and mobile phone, internet, cable and satellite TV services. Cardholders have access to their Experian credit score and zero dollar fraud liability coverage.

  • Issuer NameCredit One Bank
  • Credit NeededFair, Good
  • Annual Fee$39
  • Regular APR29.74% (variable rate)
  • Penalty APRNone
  • Balance Transfer FeeSee Terms
  • Cash Advance Fee$10.00/5%, whichever is greater (see terms)
  • Foreign Transaction Fee3% or $1.00, whichever is greater

Yes, if you:

  • Have average credit.
  • Want to earn rewards on everyday purchases.
  • Don’t mind the annual fee for the opportunity to build credit.

The Credit One Bank® Platinum Rewards Visa is meant to help you build credit to eventually qualify for a better product. To make progress, use the card to make small purchases and try to pay the bill in full on time each month. If those small purchases are in the categories that earn rewards, great.

Editor's Take

The Credit One Bank® Platinum Rewards Visa’s fee and high APR make it less than ideal, but if it can be leveraged as a means to an end – improving your credit – it can be worthwhile. Read the fine print to understand the rewards better, as this card only earns cash back on select purchases, not all purchases like most rewards cards do.

Dawn PapandreaContributor

The Credit One Bank® Platinum Rewards Visa does not have a welcome offer.

Cardholders of the Credit One Bank® Platinum Rewards Visa earn 1% cash back on gas and grocery purchases, and mobile phone, internet, cable and satellite TV services. You can also earn up to 10% more cash back from specific participating retailers. However, unlike most rewards cards, you won’t earn cash back on all purchases, only those within the rewards categories or with participating retailers.

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$39
Regular APR
29.99% (Variable)
Intro Offer
Earn unlimited 1.5% cash back on every purchase, every day
Rewards
1.5% Cash Back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

Discover it® Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Platinum Credit Card

Capital One Platinum Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees. See if you're approved in seconds
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One QuicksilverOne Cash Rewards Credit Card

If you want to build credit and earn rewards simultaneously, the Capital One QuicksilverOne Cash Rewards Credit Card is another option. It has the same annual fee of $39 as the Credit One Bank® Platinum Rewards Visa, but the rewards are better. Cardholders get 1.5% Cash Back on every purchase, every day. Neither card has a welcome offer. Though the rewards are better, the APR on the Capital One QuicksilverOne Cash Rewards Credit Card is higher at 29.99% (variable). (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PNC Core Visa Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PNC Core® Visa® Credit Card

Terms Apply

The information for the PNC Core® Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

PNC Core® Visa® Credit Card

The PNC Core® Visa® Credit Card is aimed at consumers seeking a 0% introductory APR offer on both purchases and balance transfers, but other cards may provide more ongoing value.

Annual Fee

$0

Pros

  • The PNC Core® Visa® Credit Card offers 0% introductory APR on balance transfers for the first 15 billing cycles and 0% introductory APR on purchases for the first 15 billing cycles.

  • $0 annual fee.

  • Card benefits include cell phone protection, travel assistance and travel accident insurance.

Cons

  • The high end of the APR range is steep.

  • This card does not offer a rewards program.

  • If you miss a payment, you’ll pay a 34.24% penalty APR until you make six consecutive minimum payments on time.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The PNC Core® Visa® Credit Card is a balance transfer credit card. This card offers 0% introductory APR on balance transfers for the first 15 billing cycles and 0% introductory APR on purchases for the first 15 billing cycles. After that, the card has a variable APR of 18.24% to 30.24% variable. There is a $0 annual fee and benefits include cellphone protection (up to $800) and travel and emergency assistance services.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR18.24% to 30.24% variable
  • Penalty APR34.24% Variable
  • Purchases Intro APR0% introductory APR on purchases for the first 15 billing cycles
  • Balance Transfer FeeIntro 3% (Min $5) for 90 days then 4% (Min $5)
  • Cash Advance Fee5%, Min: $10
  • Foreign Transaction Fee3%

Yes, if you:

  • Need a balance transfer.
  • Want time to pay off a large purchase without interest.
  • Are OK with not having a rewards program.

If you get the PNC Core® Visa® Credit Card to take advantage of the 0% APR period, don't get in over your head. Those 15 months can go by quickly, so divide your balance by 15 months to know how much you need to pay each month before the 0% rate expires.

Editor's Take

Cards like the PNC Core® Visa® Credit Card offer a short-term benefit for those who want some wiggle room to pay off an existing balance or a large purchase. Beyond the introductory 0% APR period, though, there isn't much value when compared to rewards cards. On the bright side, if you use the card to pay for your cellphone bill, you can be reimbursed for up to $800 if your cell phone is stolen or damaged.

Dawn PapandreaContributor

There are currently no welcome offers.

The main draw of the PNC Core® Visa® Credit Card is the 0% introductory APR on balance transfers for the first 15 billing cycles and 0% introductory APR on purchases for the first 15 billing cycles. If you're paying down a balance or purchase, a good strategy would be to divide your total by 15 and make equal monthly payments so you can get the balance down to $0 by the time the regular APR kicks in.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is another card that offers 0% intro on balance transfers for 15 months and 0% intro on purchases for 15 months, 19.49% to 29.49% (variable) APR after that (balance transfer fee applies), – but it also earns 1.5% Cash Back on every purchase, every day. New cardholders can also earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, unlike the PNC Core® Visa® Credit Card. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Chase Southwest Rapid Rewards Plus Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Southwest Rapid Rewards® Plus Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Southwest Rapid Rewards® Plus Credit Card

Frequent flyers of Southwest Airlines can use this card to earn rewards and get airline perks.

Credit Needed

Excellent, Good

Annual Fee

$69

Intro Offer

Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

Rewards Rate

2X points on Southwest® purchases.

Pros

  • The Southwest Rapid Rewards® Plus Credit Card earns two points per dollar on Southwest purchases and other qualifying categories.

  • New cardholders can earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

  • You'll get 3,000 points each year on your cardholder anniversary.

Cons

  • The card has a $69 annual fee.

  • This card doesn’t offer an introductory 0% annual percentage rate on purchases or balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Southwest Rapid Rewards® Plus Credit Card is an airline rewards card designed for frequent flyers of Southwest Airlines. It earns two points per dollar on Southwest purchases and other qualifying categories, and 1 point per $1 on all other purchases. Cardholders can earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening. The card also earns 3,000 bonus points annually on your cardholder anniversary. Points can be redeemed for flights as well as hotel stays, car rentals and more.

Cardholders get benefits that include baggage delay insurance, extended warranty protection, lost luggage reimbursement and purchase protection.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$69
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee3% of each transaction in U.S. dollars
Apply Now

On Chase's Website.

Yes, if you:

  • Fly with Southwest Airlines often.
  • Want to use your points for flights, cruises, hotel stays, car rentals and gift cards.
  • Are willing to pay an annual fee.

The Southwest Rapid Rewards® Plus Credit Card can help you earn points when flying with Southwest Airlines, so frequent flyers can plan to make the most of this card's earning potential. Cardholders receive 3,000 anniversary points each year. Enjoy benefits including 2X points on local transit and commuting, including rideshare, 2X points on internet, cable, and phone services; select streaming, 2 Early Bird Check-In® each year, 10,000 Companion Pass® qualifying points boost each year, and more. All other purchases earn 1 point per $1.

Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

Editor's Take

If you want Southwest Airlines rewards and benefits and don't mind a $69 annual fee, you can get a lot of value out of the Southwest Rapid Rewards® Plus Credit Card. With double points on Southwest Airlines and other qualifying purchases, you can earn more rewards than you would without the card. You'll also get reimbursed for two EarlyBird check-ins each year. If you're chasing Companion Pass status – allowing you to take a fellow traveler with you to fly at no charge – this card gives you 10,000 qualifying points to get you closer to the 135,000 qualifying points you need to earn the pass.

You can earn more points for Southwest purchases with the Southwest Rapid Rewards® Priority Credit Card if you're willing to pay a higher annual fee. Or if you want more flexibility in earning and spending travel rewards, consider the Chase Sapphire Preferred® Card.

Jessica MerrittContributor

New cardholders earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

Open the card when you can spend enough to earn the $400 and 40,000-point sign-up bonus, and you can earn 3,000 bonus points each year on your cardholder anniversary.

For regular spending, you can earn two points per dollar spent with Southwest Airlines and Rapid Rewards® hotel and car rental partners, and on local transit and commuting including ride-hailing, internet, cable, phone services and select streaming. All other purchases earn one point per dollar.

You can redeem points for flights, hotel stays, car rentals, gift cards and more. Points don't expire.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Southwest Rapid Rewards® Priority Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Southwest Rapid Rewards® Priority Credit Card

You can earn more rewards from the Southwest Rapid Rewards® Priority Credit Card if you're willing to pay a $149 annual fee. This card earns three points per dollar spent with Southwest Airlines. It also earns two points per dollar with Rapid Rewards® hotel and car rental partners and on local transit and commuting including ride-hailing, internet, cable, phone services and select streaming. All other purchases earn 1 point per $1 spent on all other purchases. You'll also get 7,500 points each year on your account anniversary.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Mastercard Titanium Card Review | U.S. News
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Mastercard® Titanium Card™

Terms Apply

More Info

The information for the Mastercard® Titanium Card™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Mastercard® Titanium Card™

The Mastercard® Titanium Card™ has extensive cardholder perks but limited rewards potential.

Annual Fee

$195

Pros

  • No foreign transaction fees.

  • 24/7 concierge service.

  • Points are worth double when redeemed for airfare through myluxurycard.com or by calling the card's customer service number.

Cons

  • No introductory annual percentage rate on purchases.

  • Low rewards rate and no sign-up bonus.

  • $195 annual fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Mastercard® Titanium Card™ is intended for those with excellent credit. The rewards program for this luxury card offers one point per dollar on purchases. Points can be redeemed for a 2% value for airfare and a 1% value for cash back. The card charges a $195 annual fee.

  • Issuer NameBarclays
  • Annual Fee$195
  • Regular APR21.24%, 25.43% or 28.24% Variable APR, based on your creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Will redeem your points for airfare through myluxurycard.com. 
  • Won't carry a balance.
  • Can get enough rewards or benefit value to offset the annual fee.

The Mastercard® Titanium Card™ doesn't have a great rewards rate compared with other cards with similar annual fees, so you'll need to use the card's slew of perks to unlock value.

The card's 24/7 concierge service can help you book a tee time, access exclusive events and more. Gain access to exclusive benefits and services at over 3,000 global properties through the Luxury Card Travel program. You'll also receive a suite of travel protections including auto rental collision waiver, travel accident insurance, trip cancellation and interruption coverage, and baggage delay insurance.

This card has no foreign transaction fees, making it useful for international travel. And it offers a 15-month 0% introductory APR on balance transfers. Don't plan on carrying a balance on the card, though, as it comes with no introductory APR on purchases.

Editor's Take

The Mastercard® Titanium Card™ charges a $195 annual fee but has no sign-up bonus and a rewards rate lower than many no-annual-fee credit cards. The high annual price tag on this card is due to its cardholder benefits, including exclusive perks and services at over 3,000 participating global properties.

You may be able to extract more than $195 in value out of this card if you stay at participating properties, where you'll get available room upgrades, complimentary Wi-Fi and breakfast for two plus other amenities. However, if you're looking for a luxury card to add to your wallet, explore other options like the American Express® Gold Card, which will give you a better rewards rate on everyday spending categories and luxury perks for a similar price point.

Austin ColeContributor

There are no welcome offers for the Mastercard® Titanium Card™.

Since you earn one point per dollar on purchases with the Mastercard® Titanium Card™, you can maximize your benefits simply by using the card. Use your rewards points to book airfare through myluxurycard.com to double the value of your rewards points. Points don't expire as long as your account is open in good standing.

The information for the Mastercard® Black Card™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
American Express® Gold Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

American Express® Gold Card

New cardholders of the American Express® Gold Card can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. You'll also get cardholder benefits for dining, shopping, entertainment and more. The card has an annual fee of $325. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD SDFCU Savings Secured Visa Platinum Card Review | U.S. News
By U.S. News Staff
|
Updated: Wed Dec 11
By U.S. News Staff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

SDFCU Savings Secured Visa Platinum Card

Terms Apply

The information for the SDFCU Savings Secured Visa Platinum Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

SDFCU Savings Secured Visa Platinum Card

Credit Needed

Poor/Limited/No History

Annual Fee

$0

Rewards Rate

1X Point per dollar on all eligible purchases

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The SDFCU Savings Secured Visa Platinum Card is a secured credit card that offers credit access to people with bad credit. It is designed to help you establish or rebuild credit. Your credit limit is set by the amount you deposit into a linked savings account. There is an annual fee of $0 and your credit limit can be set as low as $250. The card offers rewards, earning one point for every dollar spent.

Potentially low APR: The SDFCU Savings Secured Visa Platinum Card offers a variable APR of 16.74% variable APR.

Rewards: This card earns one point for every dollar spent.

Annual fee: There is a $0 annual fee.

No balance transfer fee: This card does not have a balance transfer fee.

Security deposit required: New cardholders are required to make a security deposit to a savings account. Your credit limit is equal to the deposit in your savings account.

No bonus points: While this card earns one point per dollar, other cards offer higher point earning rates for bonus spending categories. There is no sign-up bonus.

  • Issuer NameState Department Federal Credit Union
  • Credit NeededPoor/Limited/No History
  • Annual Fee$0
  • Regular APR16.74% Variable APR
  • Penalty APRNone
  • Cash Advance FeeOver the Counter: None ATM: $3.00

With the SDFCU Savings Secured Visa Platinum Card, you will get benefits including:

  • No foreign transaction fee
  • Travel and emergency assistance services
  • Lost luggage reimbursement
  • Auto rental collision damage waiver

You will earn one point per dollar spent with the SDFCU Savings Secured Visa Platinum Card.

Comparison to Other Cards

SDFCU Savings Secured Visa Platinum Card vs. Capital One Platinum Secured Credit Card

Annual fee: SDFCU Savings Secured Visa Platinum Card has a $0 annual fee, and the Capital One Platinum Secured Credit Card has an annual fee of $0.

Rewards: You'll earn one point per dollar spent with the SDFCU Savings Secured Visa Platinum Card. The Capital One Platinum Secured Credit Card does not offer rewards.

Sign-up bonus: Neither card offers a sign-up bonus.

Benefits: Cardholders with the SDFCU Savings Secured Visa Platinum Card have benefits including no foreign transaction fee, travel and emergency assistance services and lost luggage reimbursement. The Capital One Platinum Secured Credit Card offers emergency card services, fraud coverage and Mastercard identity theft protection.

SDFCU Savings Secured Visa Platinum Card vs. Discover it® Secured Credit Card

Rewards: The SDFCU Savings Secured Visa Platinum Card earns one point per dollar spent. The Discover it® Secured Credit Card earns 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Sign-up bonus: The SDFCU Savings Secured Visa Platinum Card does not offer a sign-up bonus. The Discover it® Secured Credit Card automatically matches all the cash back you've earned at the end of your first year for new cardholders.

Benefits: The SDFCU Savings Secured Visa Platinum Card has no foreign transaction fee, and it offers benefits such as travel and emergency assistance services and lost luggage reimbursement Cardholders get free monthly FICO® credit score access with the Discover it® Secured Credit Card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD CitiBusiness / AAdvantage Platinum Select World Mastercard Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Terms Apply

More Info

The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

With bonus earnings in common business expense categories and several airline perks, this card is great for frequent business flyers of American Airlines.

Credit Needed

Excellent

Annual Fee

$99, waived for first 12 months

Intro Offer

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Rewards Rate

2 AAdvantage® miles per $1 spent on eligible American Airlines purchases.

Pros

  • Bonus categories in common business expense categories.

  • Generous sign-up bonus.

  • Several travel perks, including a free first checked bag and preferred boarding.

Cons

  • $99, waived for first 12 months annual fee.

  • Limited redemption options.

  • No introductory annual percentage rate.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a business airline rewards card designed for business travelers who frequently fly with American Airlines. Cardholders earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases. Cardholders can also earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Benefits include airline perks, such as a free first checked bag on domestic American Airlines flights for cardholders and up to four companions traveling on the same reservation and preferred boarding on American Airlines domestic flights. The card has an annual fee of $99, waived for first 12 months.

  • Issuer NameCiti
  • Credit NeededExcellent
  • Annual Fee$99, waived for first 12 months
  • Regular APR20.49% - 29.49% (Variable)
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Cash Advance Fee5% of each cash advance; $10 minimum.
  • Foreign Transaction Fee0%

Yes, if you:

  • Frequently fly with American Airlines.
  • Can spend enough to get the sign-up bonus.
  • Frequently spend in the bonus categories. 

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® not only comes with bonus earnings for American Airlines purchases and other common business expenses, but it also offers a slew of airline perks. Cardholders receive the first bag checked free for themselves and up to four companions, preferred boarding, and 25% savings on in-flight W-Fi and food and beverage purchases.

If you spend $30,000 or more within a card account year and renew your card, you'll receive a companion certificate. That means you can take someone on an American Airlines domestic economy flight with you for $99 plus applicable taxes and fees.

Cardholders can redeem their miles for Business and First Class upgrades, car rentals, hotel stays or vacation packages. There is no cap on earning miles.

Editor's Take

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® can be a fit for those whose business frequently takes them on American Airlines flights. The large sign-up bonus and free checked-bag perk alone can make this card worth its annual fee, which is waived for the first year. The ability to add free authorized user cards to the account makes it easier to rack up your miles.

However, if you don't exclusively fly with American Airlines, you may benefit more from a general travel card that'll allow you to redeem miles with a variety of airline providers. The Capital One Spark Miles for Business card allows cardholders to transfer miles to any of its 15+ travel partners, and offers unlimited 2 Miles per $1 on every purchase, everywhere. (See Rates & Fees)

Austin ColeContributor

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. The card also has a $99, waived for first 12 months.

Cardholders of the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

Businesses can increase earning potential with this card by adding free authorized user cards for their employees and earning miles on purchases made on each card. The miles earned from both the primary cardholder and authorized users will post to the company's AAdvantage Business™ account. Loyalty points earned using the card are posted to the individual's AAdvantage® account.

Southwest® Rapid Rewards® Premier Business Credit Card

Southwest® Rapid Rewards® Premier Business Credit Card

Terms Apply

Annual Fee
$99
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
Rewards
3X points on Southwest Airlines® purchases.
Apply Now

On Chase's Website.

Terms Apply

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®
Rates and Fees

Terms Apply

Annual Fee
$595
Regular APR
20.49% - 29.49% (Variable)
Intro Offer
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Rewards
1X Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

The Capital One Spark Miles for Business earns unlimited 2 Miles per $1 on every purchase, everywhere, plus unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. Cardholders of the Capital One Spark Miles for Business can earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within the first 3 months from account opening. The Capital One Spark Miles for Business has a $0 intro for first year; $95 after that. (See Rates & Fees)

Unlike with the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you won't be tied down to redeeming your miles with just one airline. With the Capital One Spark Miles for Business, you can redeem your miles with Capital One or its more than 15 travel partners.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD The Hilton Honors American Express Business Card Review | U.S. News
By Coryanne Hicks
|
Updated: Wed Dec 11
By Coryanne Hicks
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

The Hilton Honors American Express Business Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Hilton Honors American Express Business Card

Business travelers can earn rewards on hotel stays and regular purchases with The Hilton Honors American Express Business Card.

Credit Needed

Excellent, Good

Annual Fee

$195

Intro Offer

Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.

Rewards Rate

12X Hilton Honors Bonus Points on eligible Hilton purchases

Pros

  • Automatic Hilton Honors Gold status with perks.

  • Earn 12 points per dollar on eligible Hilton purchases.

  • Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.

Cons

  • There’s a $195 annual fee.

  • Only Hilton purchases earn the highest tier rewards rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Hilton Honors American Express Business Card can be valuable for people who travel frequently for business. Cardholders can earn 12X Hilton Honors Bonus Points on eligible Hilton purchases, 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, and 3X points thereafter.. Cardholders can also earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.

Cardholders of The Hilton Honors American Express Business Card get complimentary Hilton Honors Gold status, which offers free Wi-Fi, an 80% points bonus on stays, space-available room upgrades and a daily food and beverage credit when you stay with Hilton.

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$195
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Frequently stay with Hilton for business travel.
  • Can get enough value from rewards or benefits to offset the annual fee.
  • Can spend enough to earn the welcome offer.

Hilton purchases earn 12 points per dollar with The Hilton Honors American Express Business Card, so it’s a good idea to use this card when you stay with Hilton. New cardholders can earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.

You should also take advantage of cardholder perks, including those granted by the Hilton Honors Gold status you’ll get automatically with the card. For example, Gold members get a daily food and beverage credit or continental breakfast, depending on the brand and region. You won’t pay foreign transaction fees on purchases made abroad.

Editor's Take

The Hilton Honors American Express Business Card can offer business travelers a good value hotel card for a low annual fee. If you travel even a few times each year, the daily food and beverage credit and Priority Pass visits can easily offset the card’s $195 annual fee.

When you earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025 and 12 points per dollar on Hilton purchases, it’s easy to rack up Hilton Honors points with this card. However, with an annual fee of $95, a flexible business rewards card such as the Ink Business Preferred® Credit Card can give you more options for earning and redeeming rewards.

Jessica MerrittContributor

Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.

It’s a good idea to use The Hilton Honors American Express Business Card when you book business travel with Hilton, as the card can earn 12X Hilton Honors Bonus Points on eligible Hilton purchases, 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, and 3X points thereafter. You can jump-start your points earning after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025 to earn 175,000 Hilton Honors Bonus Points.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

Terms Apply

Annual Fee
$199
Regular APR
20.74% - 27.74% Variable
Intro Offer
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Rewards
9X points total for Hyatt stays. 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
Apply Now

On Chase's Website.

Terms Apply

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card
Rates and Fees

Terms Apply

Annual Fee
$125
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
Rewards
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Business Credit Cards
Marriott Bonvoy Business® American Express® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Marriott Bonvoy Business® American Express® Card

If your business is more loyal to Marriott than Hilton, the Marriott Bonvoy Business® American Express® Card may be a better fit. For a $125 annual fee, this card earns 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. New cardholders earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. You’ll also get Marriott Bonvoy Gold Elite status and a 7% discount on eligible Marriott bookings as a cardholder. (See Rates & Fees)

For rates and fees of The Hilton Honors American Express Business Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Southwest Rapid Rewards Premier Credit Card Review | U.S. News
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Fri Nov 01
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Fri Nov 01, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Southwest Rapid Rewards® Premier Credit Card

Terms Apply

More Info

The information for the Southwest Rapid Rewards® Premier Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Southwest Rapid Rewards® Premier Credit Card

This card offers a decent sign-up bonus and good value if you fly with Southwest Airlines often, but it may not suit those searching for a versatile travel rewards card with no annual fee.

Credit Needed

Excellent, Good

Annual Fee

$99

Intro Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Rewards Rate

3X points on Southwest® purchases.

Pros

  • Earn a 50,000 as a sign-up bonus.

  • Cardholders earn three points per dollar spent on Southwest purchases.

  • No foreign transaction fees.

Cons

  • $99 annual fee.

  • No introductory APR period.

  • Must redeem points with Southwest.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Southwest Rapid Rewards® Premier Credit Card from Chase is an airline rewards card that allows you to earn points on all purchases in any spending category. Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. The card also offers 6,000 bonus points annually after your cardholder anniversary.

The card charges a $99 annual fee. The annual percentage rate for the Southwest Rapid Rewards® Premier Credit Card is 21.49% to 28.49% variable.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$99
  • Regular APR21.49%-28.49% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

Yes, if you:

  • Frequently fly with Southwest Airlines.
  • Don't plan to carry a balance.
  • Can spend enough to earn the sign-up bonus.

The Southwest Rapid Rewards® Premier Credit Card can put you on the fast track to earn Southwest’s Companion Pass, A-List or A-List Preferred status. The Southwest Companion Pass allows one person to fly with you free of airline charges, excluding taxes and fees. To qualify, earn 135,000 qualifying points in a calendar year or take 100 qualifying one-way flights to get a Companion Pass for the rest of the year and the following full calendar year. All points earned using the Southwest Rapid Rewards® Premier Credit Card, including sign-up bonus points, count as qualifying points.

To earn A-List status with Southwest, you need 35,000 tier qualifying points in a calendar year or to fly 25 qualifying one-way flights. A-List status comes with perks including priority boarding and check-in, same-day change or standby and a 25% earning bonus on every qualifying flight.

You can get Southwest A-List Preferred status with 70,000 tier qualifying points in a calendar year or by taking 50 qualifying one-way flights. A-List Preferred status comes with priority boarding and check-in, free in-flight internet access, two complimentary premium drinks per flight and a 100% earning bonus on every qualifying flight.

Every $10,000 spent on your Southwest Rapid Rewards® Premier Credit Card Card earns you 1,500 tier qualifying points.

Editor's Take

If you’re loyal to Southwest and want to work toward a Companion Pass or A-List/A-List Preferred status, the Southwest Rapid Rewards® Premier Credit Card is a good option.

However, if you fly other airlines besides Southwest, consider a more versatile travel card like the Chase Sapphire Preferred® Card, which allows you to redeem your points for travel with various airlines or transfer points to travel partners including airlines.

Austin ColeContributor

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Maximizing your rewards is straightforward with the Southwest Rapid Rewards® Premier Credit Card. You earn three points per dollar on Southwest purchases and two points per dollar on Rapid Rewards® hotel and car rental partner purchases; local transit and commuting, including ride-hailing; internet, cable and phone services; and select streaming services. You earn one point per dollar on all other purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Southwest Rapid Rewards® Priority Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Southwest Rapid Rewards® Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card offers greater travel perks than the Southwest Rapid Rewards® Premier Credit Card with a slightly higher annual fee of $149. Perks include four upgraded boardings per year and a $75 Southwest annual travel credit. You also earn 7,500 points every cardholder anniversary instead of 6,000 with the Southwest Rapid Rewards® Premier Credit Card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Triple Cash Rewards Visa® Business Card 2024 Review | US News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Triple Cash Rewards Visa® Business Card

Terms Apply

More Info

The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

U.S. Bank Triple Cash Rewards Visa® Business Card

The U.S. Bank Triple Cash Rewards Visa® Business Card provides solid cash back benefits, albeit in limited categories.

Annual Fee

$0

Pros

  • Bonus cash back rewards are unlimited and will never expire.

  • The U.S. Bank Triple Cash Rewards Visa® Business Card comes with a 0% APR on purchases and balance transfers for 15 billing cycles.

  • There is no fee to add cards for employees, and employee spending also earns cash back.

  • The welcome offer is strong for a no-annual-fee card.

Cons

  • If you don’t spend a lot on gas, cellphone service, dining or office supplies, you may not earn much cash back with this card.

  • There is a 29.99% variable penalty APR if you have a late or returned payment that lasts at least six months.

  • This card charges a 3% of each transaction in U.S. dollars foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank Triple Cash Rewards Visa® Business Card is a business credit card that offers cash back on everyday purchases, plus some business perks. You can earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers and restaurants. All other eligible purchases earn 1% back.

Each year, you can get a $100 statement credit to help cover software subscriptions like FreshBooks or QuickBooks. The U.S. Bank Triple Cash Rewards Visa® Business Card has no annual fee, and you can add employee cards for free.

  • Issuer NameU.S. Bank
  • Annual Fee$0
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% APR on purchases and balance transfers for 15 billing cycles
  • Foreign Transaction Fee3% of each transaction in U.S. dollars

Yes, if you:

  • Spend a lot on cellphone service or at gas stations, office supply stores or restaurants.
  • Want to add employee cards.
  • Can take advantage of the 0% introductory APR.

You can earn unlimited bonus cash back on cellphone service and at office supply stores, gas stations and restaurants, so definitely use this card for those purchases. For any purchases outside of the bonus categories, you might want to pair it with another card that has a higher base rate or rewards different categories of spending.

Don’t miss out on the welcome offer that’s worth $500. You’ll need to spend $4,500 within the first 150 days of opening your account. If that seems steep for your budget, don’t forget you have a 0% APR on purchases and balance transfers for 15 billing cycles, so you can revolve the balance interest-free during that period as long as you make at least minimum payments. Also, if you use software such as Intuit QuickBooks for your business, take advantage of the $100 statement credit the card offers each year.

Editor's Take

If you make a lot of purchases in this card’s bonus spending categories, it can be a terrific fit for your business wallet. But with a foreign transaction fee, it’s not the best choice if you do a lot of international business travel.

Dawn PapandreaContributor

The U.S. Bank Triple Cash Rewards Visa® Business Card offers a $500 bonus when you spend $4,500 within the first 150 days of opening your account.

Rewards with the U.S. Bank Triple Cash Rewards Visa® Business Card come in the form of cash back. To get the most out of the card, you’ll want to focus on the 3% cash back categories, which cover eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers and restaurants. All other eligible purchases earn 1% back.

Plan to earn the $500 bonus by spending $4,500 within the first 150 days of opening your account.

You can redeem your cash back as a statement credit, a prepaid U.S. Bank Rewards Card or payment into an eligible U.S. Bank account.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is another no-annual-fee business card that has bonus rewards categories. Its earning rates are higher than the U.S. Bank Triple Cash Rewards Visa® Business Card in some cases, but there are caps on earnings. You’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

You do get a bit more redemption flexibility on the Ink Business Cash® Credit Card since you can redeem for cash back, gift cards, travel and more through Chase Ultimate Rewards. The Ink Business Cash® Credit Card also has a 0% intro APR on purchases for 12 months, after that, a 17.74% to 25.74% variable APR applies, but that’s shorter than the 15 billing cycles on the U.S. Bank Triple Cash Rewards Visa® Business Card. Both cards have a foreign transaction fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Milestone Gold Mastercard Review | US News
By U.S. News Staff
|
Updated: Wed Dec 11
By U.S. News Staff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Milestone® Gold Mastercard®

Terms Apply

The information for the Milestone® Gold Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Milestone® Gold Mastercard®

Credit Needed

Bad/Poor

Annual Fee

See Terms*

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Milestone® Gold Mastercard® is designed for consumers with bad-to-poor credit. New account holders have an initial credit limit of $300.

Designed for bad-to-poor credit: The Milestone® Gold Mastercard® is designed for applicants with bad-to-poor credit. It reports to all three major credit bureaus, so using the Milestone® Gold Mastercard® responsibly can help you rebuild your credit.

High fees: The annual fees and account opening fees required for the various Milestone® Gold Mastercard® options can be relatively high.

Above-average APR: The APR charged by the Milestone® Gold Mastercard® is at the high end of APRs for bad credit.

No rewards or sign-up bonus: The Milestone® Gold Mastercard® does not offer new cardholders any rewards or sign-up bonus.

  • Issuer NameGenesis FS Card Services
  • Credit NeededBad/Poor
  • Annual FeeSee Terms*
  • Regular APRSee Terms*
  • Penalty APRNone
  • Balance Transfer FeeSee Terms

Milestone® Gold Mastercard® holders receive benefits including:

  • Identity theft resolution service
  • Extended warranty coverage
  • Price protection

Milestone® Gold Mastercard® vs. Indigo® Platinum Mastercard®

Annual fee: The Milestone® Gold Mastercard® has a See Terms annual fee. Depending on your credit score, the Indigo® Platinum Mastercard® could charge an annual fee.

Rewards: Neither card offers rewards.

Sign-up bonus: Neither card offers a sign-up bonus.

Benefits: Milestone® Gold Mastercard® holders receive identity theft resolution service, extended warranty coverage and price protection benefits. Indigo® Platinum Mastercard® holders receive benefits including extended warranty coverage, roadside assistance and travel assistance services.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD World of Hyatt Business Credit Card
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

World of Hyatt Business Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card offers a competitive rewards program, VIP perks, free employee cards and an automatic status upgrade for frequent business travelers who prefer staying at Hyatt properties.

Credit Needed

Excellent, Good

Annual Fee

$199

Intro Offer

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

Rewards Rate

9X points total for Hyatt stays. 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.

Pros

  • Earns 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening.

  • Offers Discoverist status with Hyatt, which features room upgrades, waived resort fees on award stays, elite check-in and late checkout.

  • You can earn nine total points per dollar spent with Hyatt.

Cons

  • You’ll pay a $199 annual fee.

  • The $100 annual Hyatt credit is split into two $50 credits.

  • You’ll need to reach Globalist status for free breakfast, free parking and 4 p.m. checkout.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The World of Hyatt Business Credit Card is geared toward frequent business travelers who want to enjoy perks and benefits every time they stay at a Hyatt property. The card attracts new members with a 60,000-point sign-up bonus after you spend $5,000 on purchases in your first 3 months from account opening. From there, cardholders will earn bonus rewards on Hyatt bookings and in your top spending categories each quarter. Categories cover common business expenses, including shipping, gas and internet, cable and phone services.

There is an annual fee of $199, but cardholders can benefit from an automatic bump to Discoverist status with Hyatt hotels, a $100 annual statement credit for Hyatt stays and other Hyatt perks.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$199
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Frequently stay with Hyatt during business travel.
  • Can meet the card’s sign-up bonus spending requirement.
  • Will get enough value from the card to justify the $199 annual fee.

You can climb Hyatt status tiers using this card. The World of Hyatt Business Credit Card grants automatic Discoverist status, which comes with premium internet, late checkout and waived resort fees on award stays. For every $10,000 you spend on the card, you’ll get five tier-qualifying nights to reach Explorist and Globalist tiers. Also, be sure to take advantage of your maximum $100 annual statement credit for Hyatt stays.

Earning the 60,000-point sign-up bonus can start you off with a stash of points, but you'll only earn the bonus after you spend $5,000 on purchases in your first 3 months from account opening.

Cardholders earn earn Up to 9x points total for Hyatt stays. 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member. 2 Bonus Points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.

Editor's Take

Business travelers who prefer to stay at Hyatt properties can benefit from this card. With automatic Discoverist status, you’ll get perks every time you stay with Hyatt. You can also gift Discoverist status to up to five employees. And with five tier-qualifying nights for every $10,000 you spend in a calendar year, the card offers a pathway to earning higher-tier status the more you stay and spend with Hyatt.

As Hyatt’s free night redemptions start at 3,500 points for off-peak nights, the 60,000-point sign-up bonus is potentially worth more than a dozen free nights if you can find low-cost reward stays.

The benefits and rewards-earning potential can make the World of Hyatt Business Credit Card worthwhile for businesses that will take advantage of perks and redeem free nights. Still, do the math on how much value you can get from the card to make sure the $199 annual fee is worth it for you.

Jessica MerrittContributor

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

You’ll earn a 60,000-point sign-up bonus after you spend $5,000 on purchases in your first 3 months from account opening. Other card benefits kick in after reaching higher spending thresholds. You'll earn five tier-qualifying night credits with each $10,000 you spend, and you'll get 10% of redeemed points back as bonus points for the rest of the year if you spend $50,000 or more on the card in a calendar year.

To ramp up your earnings, use the card strategically on purchases that offer bonus points. Cardholders earn earn Up to 9x points total for Hyatt stays. 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member. 2 Bonus Points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases. Make sure to add employee cards to your account, and use the card for common business expenses.

According to Hyatt's award chart, off-peak free nights start at 3,500 points, so depending on when and where you book a stay, that's a lot of free night potential. Points won’t expire as long as your card account remains open. Your points are of most value when you redeem them with World of Hyatt, but you can also redeem points for car rentals with Avis or convert your points to airline miles with participating airline partners.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Ink Business Preferred® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Preferred® Credit Card

If you only stay at Hyatt properties on business occasionally, the World of Hyatt Business Credit Card may not be a good value for you. A general business travel card such as the Ink Business Preferred® Credit Card can offer more flexible travel rewards earning and redemption, as Chase Travel points can be transferred to World of Hyatt and other participating travel programs.

With the Ink Business Preferred® Credit Card, you can earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. None

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Amazon Business Prime American Express Card | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Amazon Business Prime American Express Card
Rates and Fees

Terms Apply

More Info

The information for the Amazon Business Prime American Express Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card earns bonus cash back on Amazon purchases as well as gas, restaurants and wireless services.

Annual Fee

$0

Rewards Rate

5% Back or 90 days to pay interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. (5% back applies to the first $120,000 in qualifying purchases each year, then 1%)

Pros

  • Amazon Business Prime American Express Card holders get strong bonus categories.

  • If you need some extra time to pay for a large purchase, you can opt for 90-day interest-free terms on eligible purchases.

  • $0 annual fee and no foreign transaction fee.

Cons

  • Only Amazon Prime members can get 5% back or 90-day terms.

  • The 5% cash back rate is only available on the first $120,000 each calendar year.

  • Rewards redemption is limited to a statement credit or a credit toward eligible Amazon.com and Amazon Business purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Business owners who are power Amazon Prime shoppers might be good candidates for the Amazon Business Prime American Express Card. It gives you the choice of earning cash back rewards or taking advantage of special payment terms.

You can choose to receive either 5% cash back or get 90-day terms on select U.S. purchases at Amazon Business, Amazon Web Services, Amazon.com and Whole Foods Market. The 5% cash back applies to the first $120,000 in purchases each calendar year and 1% back thereafter.

The card also offers 2% back at U.S. gas stations and U.S. restaurants and on wireless services bought directly from U.S. providers, and 1% back on all other eligible purchases.

The Amazon Business Prime American Express Card has no foreign transaction fee. Other benefits include baggage insurance, access to the Global Assist Hotline, and car rental loss and damage insurance.

  • Issuer NameAmerican Express
  • Annual Fee$0
  • Regular APR18.74% - 26.74% variable
  • Penalty APR29.99% Variable
  • Cash Advance Fee29.99% Variable

Yes, if you:

  • Are an Amazon Prime member who does a lot of business spending on Amazon.
  • Want a no-annual-fee rewards card.
  • Want to offset your Amazon spending with rewards.

Use the Amazon Business Prime American Express Card for all purchases that qualify for the 5% bonus rate, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods Market. You could also opt for the 90 days of no interest when you can’t pay your bill in full.

However, because you can only redeem rewards with Amazon, you might want to do your non-Amazon business spending using a card that has different bonus categories, a higher base rate, or more flexible redemptions such as a business travel card.

Editor's Take

The Amazon Business Prime American Express Card is a no-brainer if you’re spending a lot on Amazon-related business expenses. The 5% cash back essentially works as a 5% discount on your Amazon spending. If you spread your spending around, you might want to go for a business credit card that has more flexibility or has bonus categories that better align with your spending style.

Dawn PapandreaContributor

New Amazon Business Prime American Express Card holders receive a $125 Amazon gift card upon approval.

Amazon Business Prime American Express Card holders can either take 90 days to pay interest-free or earn 5% back on select purchases with Amazon on up to the first $120,000 per calendar year, then 1%. You will also receive 2% back at U.S. gas stations and U.S. restaurants and on wireless services bought from U.S. providers, plus 1% back on all other eligible purchases.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

Annual Fee
No annual fee
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Rewards
2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The American Express Blue Business Cash™ Card

Another business credit card to consider if you don’t want to have to worry about bonus categories is The American Express Blue Business Cash™ Card. Neither card charges an annual fee, but the Amazon Business Prime American Express Card requires an eligible Amazon Prime membership to reap the full benefits.

While the Amazon card has bonus categories, with The American Express Blue Business Cash™ Card you can earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. You can also earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months, which is higher than the Amazon card. You’ll get 0% on purchases for 12 months from date of account opening with The American Express Blue Business Cash™ Card, after that an APR of 17.74% to 25.74% variable, while the Amazon Business Prime American Express Card offers the ongoing 90-day finance option.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Platinum Credit Card Review | U.S. News
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Adriana Ocañas
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Platinum Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Credit Card

The Capital One Platinum Credit Card might be a good fit for fee-averse consumers who want to build credit and work on improving their fair credit rating but don’t prioritize earning rewards.

Credit Needed

Average, Fair, Limited

Annual Fee

$0

Intro Offer

No annual or hidden fees. See if you're approved in seconds

Pros

  • Offers an unsecured option for people with less-than-stellar credit.

  • Eligible cardholders are automatically considered for a higher credit line in as little as six months.

  • Charges no annual or hidden fees.

Cons

  • Comes with no rewards program.

  • Doesn’t offer a 0% introductory annual percentage rate.

  • Has a purchase APR of 29.99% (variable).

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

When used responsibly, the no-frills Capital One Platinum Credit Card can help you build credit if you have a fair credit score or limited credit history. Eligible cardholders are automatically considered for a higher credit line in as little as six months. The card has no annual or hidden fees, and it provides emergency card services, fraud coverage and account alerts from Eno, the Capital One assistant. (See Rates & Fees)

But the card doesn't offer a rewards program, unlike the Capital One QuicksilverOne Cash Rewards Credit Card, which targets consumers in the same credit score range. Cardholders also don't receive any notable perks, which may not be important to you if your priority is building credit. On-time payments can help you build a positive credit history.

  • Issuer NameCapital One
  • Credit NeededAverage, Fair, Limited
  • Annual Fee$0
  • Regular APR29.99% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Have limited credit history or a fair credit score and want to improve your credit with responsible use.
  • Aren't concerned about earning rewards.
  • Want to avoid as many fees as possible.

Credit building is the main draw of the Capital One Platinum Credit Card, so you should focus on paying off your balance in full each month to improve your credit score and potentially receive a higher credit limit. Also, take advantage of your unlimited access to CreditWise in order to monitor your credit profile.

With the Capital One Platinum Credit Card's high APR of 29.99% (variable), it pays to avoid carrying a balance. If you think you'll carry a balance, consider a card with a lower purchase APR or one that comes with an introductory APR period you can use to pay off your balance interest free.

Editor's Take

The Capital One Platinum Credit Card should be considered a tool to help you build your credit. With no way to earn rewards, this card makes little sense for those with above-average credit who can qualify for a card that offers rewards, sign-up bonuses and additional cardholder perks.

Once your credit score has improved, consider alternatives like the Capital One Savor Cash Rewards Credit Card, which offers cash back.

Austin ColeContributor

This card has no welcome offer or sign-up bonus.

There is no way to earn rewards with this card.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One QuicksilverOne Cash Rewards Credit Card

Consumers who qualify for the Platinum card may be able to qualify for the Capital One QuicksilverOne Cash Rewards Credit Card. Both cards cater to consumers with fair credit, but the Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% Cash Back on every purchase, every day. With only a $39 annual fee, this card is a safe introduction for those looking to build credit and earn rewards at the same time. (See Rates & Fees)

For rates and fees of the Capital One Platinum Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD USAA Eagle Navigator™ Visa Signature® Credit Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

USAA Eagle Navigator™ Visa Signature® Credit Card
Rates and Fees

Terms Apply

The information for USAA Eagle Navigator™ Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

USAA Eagle Navigator™ Visa Signature® Credit Card

This rewards card for USAA members has bonus categories, a welcome offer and travel benefits and protections, but there’s an annual fee.

Credit Needed

Excellent, Good

Annual Fee

$95

Intro Offer

Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening

Rewards Rate

3x cash back on travel and transit including, air, hotel, car and vacation rentals, rideshare, tolls and more

Pros

  • The base rate of two points per dollar is higher than many rewards cards, which typically offer one point per dollar.

  • Cardholders get up to a $100 credit for TSA PreCheck or Global Entry every four years.

  • The card is loaded with travel benefits, including trip cancellation and interruption coverage, auto rental collision damage waiver coverage, travel accident insurance, and baggage delay reimbursement coverage, and it has no foreign transaction fees.

Cons

  • To apply for the card, you must be a member of USAA; membership is only open to active duty, National Guard, reserves, veterans, cadets or midshipmen, and spouses and children of USAA members.

  • This card has a $95 annual fee.

  • USAA does not have any points transfer partners.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

For USAA members or military-affiliated people who want to join, USAA offers the USAA Eagle Navigator™ Visa Signature® Credit Card. Cardholders can earn three points per dollar spent on travel – including air, hotel, car and vacation rentals, ride-hailing services, and tolls – and two points per dollar on all other purchases.

New cardholders can earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of opening an account. The card also offers numerous travel protections and has no foreign transaction fees.

  • Issuer NameUSAA
  • Credit NeededExcellent, Good
  • Annual Fee$95
  • Regular APR20.15% to 28.40% Variable APR
  • Penalty APRSee Terms
  • Cash Advance Fee5% of the amount of each Cash Advance. Fee waived when transferring funds electronically to your USAA Federal Savings Bank deposit account.
  • Foreign Transaction FeeSee Terms

Yes, if you:

  • Are a USAA member or are eligible to become one.
  • Don’t mind paying a $95 annual fee.
  • Want to earn rewards and have travel coverage.

With travel credit cards that have a fee, the key is to get more value than you pay out. On the USAA Eagle Navigator™ Visa Signature® Credit Card, each year that you book a hotel or car through the USAA Rewards Center, you’ll get 10,000 bonus points, which equals $100 in travel and offsets the annual fee. This could be a good card choice to pair with a cash back card that offers 3% or more on everyday categories like groceries, dining and gas.

Editor's Take

Anytime a card has bonus rewards categories and a base rate that’s higher than one point per dollar, it has a lot of earning potential. What is also appealing on this card is the slew of travel benefits. However, the welcome offer is mediocre compared with other travel cards with similar fees. As long as you’re eligible for the card as a USAA member and are OK with not having a points transfer option, the USAA Eagle Navigator™ Visa Signature® Credit Card can be worthwhile for those who spend a good amount on travel.

Dawn PapandreaContributor

New cardholders can earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of opening an account.

The USAA Eagle Navigator™ Visa Signature® Credit Card offers three points per dollar spent on travel – including air, hotel, car and vacation rentals, ride-hailing services, and tolls – and two points per dollar on all other purchases. Consider using this card for your travel bookings and in categories where you’d otherwise earn less than two points per dollar.

New cardholders should aim to earn 30,000 bonus points by spending $3,000 on qualifying purchases within 90 days of opening an account.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

If you aren’t eligible to be a USAA member or would prefer a travel card with transfer options, the Chase Sapphire Preferred® Card could be worth a look. It has the same $95 annual fee as the USAA Eagle Navigator™ Visa Signature® Credit Card and offers cardholders the ability to transfer their points to a variety of other travel programs at 1-to-1 value.

Cardholders of the Chase Sapphire Preferred® Card enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Also, you can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD M&T Bank Visa Business Bonus Rewards Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

M&T Business Rewards Credit Card

Terms Apply

The information for the M&T Business Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

M&T Business Rewards Credit Card

Businesses can earn 1.5% cash back on all purchases and get a 0% introductory APR on purchases with the M&T Business Rewards Credit Card.

Annual Fee

$0

Rewards Rate

1.5% Cash back on every purchase

Pros

  • $0 annual fee.

  • Businesses can use a nine-month 0% introductory APR on purchases to save on interest charges.

  • The card earns 1.5% cash back on all purchases and a $250 sign-up bonus when you spend $2,500 within the first 90 days of opening an account.

Cons

  • Though it’s unlimited, 1.5% cash back is the highest rate you can earn.

  • There’s no introductory APR on balance transfers.

  • Cardholder benefits are limited to fraud protection and account management.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
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The M&T Business Rewards Credit Card earns an unlimited 1.5% cash back on all purchases and offers a $250 sign-up bonus when you spend $2,500 within the first 90 days of opening an account. Businesses can use a nine-month 0% introductory APR on purchases. There’s no annual fee or fees for employee cards or foreign transactions.

  • Issuer NameM&T Bank
  • Annual Fee$0
  • Regular APR16.74% and 23.74% Variable APR
  • Penalty APR24.99% Variable
  • Purchases Intro APR0% introductory APR on purchases
  • Balance Transfer Fee4% of each balance transfer (minimum $10)
  • Cash Advance Fee3% of each transaction (minimum $10)

Yes, if you:

  • Prefer to avoid an annual fee.
  • Need a nine-month 0% introductory APR on purchases.
  • Want a flat-rate cash back rewards program.

The M&T Business Rewards Credit Card is easy to use. It has no annual fee and earns 1.5% cash back on all purchases, so you don’t need to worry about keeping track of bonus categories or getting enough value from rewards or benefits to offset an annual fee. Businesses can make the most of this card by earning the $250 sign-up bonus, which you'll earn when you spend $2,500 within the first 90 days of opening an account. If you need to finance a large purchase, you can use the 0% introductory APR on purchases for the first nine months. Just divide your balance by nine to calculate how much you need to pay each month to pay off the balance before interest charges apply.

Editor's Take

While other business credit cards may earn more rewards or offer better benefits, the M&T Business Rewards Credit Card is a good choice if you want a simple cash back rewards card with no annual fee.

Jessica MerrittContributor

You can earn $250 cash back when you spend $2,500 within the first 90 days of opening an account.

You can maximize rewards with the M&T Business Rewards Credit Card by earning the sign-up bonus. You’ll earn the $250 bonus when you spend $2,500 within the first 90 days of opening an account. Beyond that, you’ll earn 1.5% cash back on all purchases. With the card’s flat-rate cash back earnings, you don’t need to employ a special strategy for earning more – just use the card as you normally would for purchases.

You could also consider pairing this card with one that earns a higher cash back rate for categories you regularly spend in. Then use this card for all other purchases to get the 1.5% rate.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is another no-annual-fee business credit card that earns rewards. It has a 0% intro APR on purchases for 12 months. After that, a 17.74% to 25.74% variable APR applies. Businesses can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Target RedCard | US News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Target REDcard™

Terms Apply

The information for the Target REDcard™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Target REDcard™

The Target REDcard™ is a no-annual-fee card that Target loyalists can use for a 5% discount on most purchases in store and on Target.com.

Annual Fee

$0

Rewards Rate

5% Discount on Target purchases

Pros

  • Target REDcard™ users get a 5% discount on eligible purchases at Target stores and on Target.com, including clearance and sale items, Starbucks purchases at Target stores, specialty gift cards, select subscription deliveries, and same-day delivery orders on Target.com.

  • Earn 2% back on a Target gift card when you use the Target REDcard™ for gas and dining purchases; other purchases earn 1% back.

  • The card charges a $0 annual fee.

Cons

  • The Target REDcard™ charges an annual percentage rate of 27.40% variable and lacks a 0% introductory APR on purchases or balance transfers.

  • Rewards can only be redeemed for Target gift cards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Designed for frequent Target shoppers, the Target REDcard™ charges a $0 annual fee and offers cardholders a 5% discount on select purchases at Target stores and on Target.com. Cardholders receive free two-day shipping on eligible items from Target.com and 30 extra days to return or exchange purchases.

Card benefits are identity theft protection and airport concierge service as well as emergency cash advances.

  • Issuer NameTD Bank
  • Annual Fee$0
  • Regular APR27.40% Variable
  • Penalty APRNone

Yes, if you:

  • Are a frequent Target shopper.
  • Like to order from Target.com and get free shipping.
  • Can pay your balance in full each month to avoid paying the high interest rate.

Use the Target REDcard™ for all of your Target and Target.com purchases to get the most back from this card. You’ll get an automatic 5% off every purchase. If you do a lot of shopping there, you might also want to take advantage of the card’s 2% cash back rate on dining and gas to put toward Target gift cards. However, you may earn a higher rewards rate with another rewards card in your wallet.

Editor's Take

If you spend a lot of time and money at Target, then the card is a no-brainer for you because of its steep discount, free shipping and more generous return policy. Just be sure you pay those balances off in full, otherwise the hefty APR will cost you more than the discount you’re getting for using the card.

Dawn PapandreaContributor

The Target REDcard™ offers a $50 credit on a future qualifying purchase over $50 when you’re approved for the card.

In addition to the discounts on Target purchases, you can earn rewards that can be put toward Target gift cards. You'll get 2% back toward a Target gift card when you use the Target REDcard™ for gas and dining purchases and 1% back on other types of purchases.

Earning cash back can help offset the cost of your Target shopping even more than the 5% you’re already getting. However, if you have other credit cards with higher earnings rates in various categories or with a base rate above 1% on all purchases, then you can use your Target REDcard™ exclusively for Target runs.

Once you accumulate at least $10 in rewards, you can redeem rewards as either a physical Target gifts card or a Target online gift card.

Be sure to also take advantage of the other card benefits, including free two-day shipping on eligible items from Target.com, and 30 extra days to return or exchange purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Costco Anywhere Visa® Card by Citi
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Costco Anywhere Visa® Card by Citi

If you do just as much shopping at Costco as you do at Target, then the Costco Anywhere Visa® Card by Citi might offer more value. You’ll get 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases. You’ll only get to reap your rewards once per year, however, when Costco issues your annual rewards certificate. Unlike Target rewards, which can only be redeemed for Target gift cards, Costco offers the option to redeem your certificate for cash.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One® Spark® 1% Classic 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One® Spark® 1% Classic

Terms Apply

The information for the Capital One® Spark® Classic for Business has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Capital One® Spark® 1% Classic

This business rewards credit card has no annual fee and is open to those with fair credit, but has a high APR.

Credit Needed

Average, Fair, Limited

Annual Fee

$0

Rewards Rate

1% Cash back on every purchase

Pros

  • The card is open to business owners with fair credit.

  • There is no annual fee.

  • There are no foreign transaction fees.

Cons

  • This card does not offer a sign-up bonus.

  • The APR is 29.99% variable APR, which is higher than average.

  • Earnings rates are minimal.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One® Spark® 1% Classic card is a cash back rewards credit card for businesses, and it welcomes applicants with fair credit. It earns an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, and unlimited 1% cash back on all purchases. There is an annual fee of $0. With this card, you will get benefits, including an auto rental collision damage waiver, purchase security, extended warranty coverage and travel and emergency assistance services.

  • Issuer NameCapital One
  • Credit NeededAverage, Fair, Limited
  • Annual Fee$0
  • Regular APR29.99% Variable APR
  • Penalty APR29.40% Variable
  • Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater

Yes, if you:

  • Have fair credit and want a rewards business card.
  • Don't want to pay an annual fee.
  • Will be able to pay your bill in full to avoid the high APR.

Take advantage of the Capital One® Spark® 1% Classic card's more lenient credit score requirement, then use the card to build up your credit by paying on time and keeping balances low. You'll earn rewards with every purchase you make, and there are some solid travel benefits and no foreign transaction fees if you need to spend money during an international business trip.

Editor's Take

The Capital One® Spark® 1% Classic could be a good starter card for a new business owner who doesn't have great credit. The 1% cash back on all purchases is decent for those with limited credit, but if you have a good-to-excellent credit score, you're better off seeking a higher-earning card with more benefits.

Dawn PapandreaContributor

There is no sign-up bonus with the Capital One® Spark® 1% Classic card.

The Capital One® Spark® 1% Classic card earns 1% cash back on all purchases. Cardholders only unlock bonus earnings through the 5% cash back on hotels and rental cars booked through Capital One Travel.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Bank of America® Business Advantage Customized Cash Rewards Credit Card

Terms Apply

Read More

The information for the Bank of America® Business Advantage Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America® Business Advantage Customized Cash Rewards Credit Card

The Bank of America® Business Advantage Customized Cash Rewards Credit Card credit card is another no-fee business credit card but with stronger rewards and benefits. If you have the credit to qualify, you can earn 3% cash back in your category of choice and 2% back on dining on up to $50,000 in combined purchases each year; then 1%. All other purchases earn 1% back. The card also offers 0% APR for nine billing cycles and a welcome offer of $300 if you make $3,000 in net purchases within 90 days of opening an account.

The information for the Bank of America® Business Advantage Customized Cash Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Blue Cash Everyday Card from American Express Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express earns solid rewards, offers a $0 annual fee and has an introductory annual percentage rate of 0% on purchases for 15 months.

Credit Needed

Good, Excellent

Annual Fee

$0

Intro Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Rewards Rate

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

Pros

  • The card earns bonus rewards on everyday spending, including groceries, gas and online shopping.

  • Cardholders get an intro APR of 0% on purchases for 15 months. After that, the APR is 18.49% to 29.49% variable.

  • $0 annual fee.

Cons

  • There’s a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

  • All three top-earning categories have a $6,000 spending cap after which the rate reverts to 1%.

  • There are no other redemption options beyond a statement credit.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Blue Cash Everyday® Card from American Express offers cash back on everyday spending categories with a $0 annual fee. Cardholders earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. You can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Upon opening an account, you'll get an introductory APR of 0% on purchases for 15 months. When the intro offer expires, the ongoing APR is 18.49% to 29.49% variable, based on factors such as your creditworthiness.

For those traveling more than 100 miles from home, this card includes access to the American Express Global Assist Hotline, which provides 24/7 help with missing luggage, emergency medical referrals and more. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$0
  • Regular APR18.49% - 29.49% Variable
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% on purchases for 15 months
  • Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Spend a lot at U.S. supermarkets.
  • Want a $0 annual fee.
  • Can use the promotional intro APR of 0% on purchases for 15 months. (See Rates & Fees)

If you do a lot of spending on gas, groceries and online shopping, make this your go-to card to earn 3% cash back in those categories. You can pair the Blue Cash Everyday® Card from American Express with a card that earns a higher base rate on rewards, such as the Citi Double Cash® Card, which you can use for purchases that don't earn a bonus with the Blue Cash Everyday® Card from American Express.

Don't sleep on some of the card's additional benefits. For example, you can get a $7 monthly statement credit on the Disney Bundle streaming services.

Editor's Take

The Blue Cash Everyday® Card from American Express is a good pick for people who spend a moderate amount on groceries, gas and online purchases – and don't want to pay an annual fee. The 3% cash back rate on the first $6,000 spent each year can help offset the cost of these everyday expenses. If you're looking for flexible redemption options, however, this isn't the card for you since you're limited to just statement credits.

While 3% cash back at eligible supermarkets is impressive, the Blue Cash Preferred® Card from American Express offers 6% cash back with the same terms, plus rewards on other common spending categories. However, the Blue Cash Preferred® Card from American Express charges a $0 intro annual fee for the first year, then $95. It might be worth the upgrade if you're spending more than $135 per month at U.S. supermarkets.

Dawn PapandreaContributor

With the Blue Cash Everyday® Card from American Express, you can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. The card also has a 0% on purchases for 15 months. (See Rates & Fees)

The card's rewards structure is fairly complex, with multiple bonus categories and a cap. You earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. Focusing your spending can help you maximize rewards.

Aim to pay your balance in full each month after the intro APR period ends to avoid interest charges eating into your rewards value.

The Blue Cash Everyday® Card from American Express only allows you to redeem rewards as statement credits. There is no minimum redemption amount.

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Rewards
8% Cash Back on Capital One Entertainment purchases.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0 intro annual fee for the first year, then $95.
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Rewards
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One Savor Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card is another no-annual-fee card that offers a high rate of tiered cash back in everyday spending categories, albeit slightly different ones. Think about your spending patterns to decide which one is a better fit for you.

On the Capital One Savor Cash Rewards Credit Card, you'll get 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 8% Cash Back on Capital One Entertainment purchases. 1% Cash Back on all other purchases. There's also a welcome bonus of $200 cash back after you spend $500 on purchases within 3 months from account opening. That's an easier spending requirement than that of the Blue Cash Everyday® Card from American Express. Both cards also have a 0% intro on purchases for 15 months, with the Capital One Savor Cash Rewards Credit Card having a 19.49% to 29.49% (variable) APR after that. (See Rates & Fees)

For rates and fees of the Blue Cash Everyday® Card from American Express, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Hilton Honors Aspire Card from American Express Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Hilton Honors American Express Aspire Card
Rates and Fees

Terms Apply

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Hilton Honors American Express Aspire Card

Extensive travelers who frequent Hilton hotels and resorts can earn rewards and get perks from this high-end hotel credit card.

Credit Needed

Good, Excellent

Annual Fee

$550

Intro Offer

Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.

Pros

  • Includes Hilton Honors Diamond status.

  • Earns 14 points per dollar on Hilton purchases.

  • Offers extensive travel credits, including up to $400 annually at Hilton resorts.

Cons

  • There's a $550 annual fee.

  • Reward redemption is limited to Hilton and its partners.

  • There's no 0% introductory annual percentage rate on purchases or balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Hilton Honors American Express Aspire Card earns Hilton Honors rewards with top-level Diamond status, which can be valuable for Hilton loyalists. The card offers exceptional travel benefits, including an annual air travel credit up to $200, annual Hilton resort statement credit up to $400 and Hilton on-property credit up to $100 at qualifying hotels and resorts. There is a $550 annual fee.

The Hilton Honors American Express Aspire Card rewards program offers 14 points per dollar when you make eligible purchases using your card at participating Hilton hotels or resorts, seven points per dollar when you book flights directly with airlines or amextravel.com, seven points for direct car rental bookings and dining at U.S. restaurants, and three points per dollar on all other purchases.

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$550
  • Regular APR20.99% to 29.99% variable
  • Penalty APR29.24% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Yes, if you:

  • Frequently stay at Hilton hotels or resorts.
  • Can use the card's hotel and air travel benefits.
  • Will pay your balance in full each month to avoid interest charges.

You'll get the full value of the Hilton Honors American Express Aspire Card when you maximize the card's benefits and rewards. First, plan to open the card when you can spend $6,000 in purchases within the first six months to earn the card's 175,000- point welcome bonus. Beyond that, it's a no-brainer to use the Hilton Honors American Express Aspire Card for purchases with Hilton. Be sure to take advantage of benefits, including an annual free night reward for a hotel stay, up to $400 Hilton resort credit, $200 annual flight credit, $189 annual CLEAR Plus membership credit and $100 Hilton on-property credit each time you stay at a participating Waldorf Astoria or Conrad hotel or resort.

Editor's Take

With extensive cardholder benefits that can easily offset the $550 annual fee, the Hilton Honors American Express Aspire Card is a good choice if you travel often and stay at Hilton hotels. The annual credits, Hilton Honors Diamond status and the ability to earn 14 points per dollar on Hilton purchases can elevate your travel and save you money.

Still, a $550 annual fee is only worth it if you'll get at least that much value from the card, so if you don't frequently travel or don't usually stay with Hilton, another card might be a better choice. For example, the Hilton Honors American Express Surpass® Card has a lower $150 annual fee and offers 12 points per dollar on Hilton purchases with complimentary Hilton Honors Gold status. (See Rates & Fees)

If you're willing to pay a $550 annual fee but don't necessarily want your rewards tied to Hilton, Chase Sapphire Reserve® offers lounge access, travel credits and more ways to earn and redeem rewards.

Jessica MerrittContributor

The Hilton Honors American Express Aspire Card earns 175,000 Hilton Honors bonus points when you spend $6,000 in purchases within the first six months of opening your account.

Earning the card's 175,000-point welcome offer by spending $6,000 in purchases within the first six months is a great way to jump-start your earnings with this card. It also makes sense to use the Hilton Honors American Express Aspire Card to earn 14 points per dollar on Hilton purchases. This card is also a good choice for travel purchases, earning seven points per dollar on flights booked directly with airlines or on amextravel.com and car rentals directly booked with select car rental companies. You can earn seven points per dollar at U.S. restaurants and three points per dollar on all other purchases.

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
Rates and Fees

Terms Apply

Annual Fee
$150
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Rewards
12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms Apply

Annual Fee
$550
Regular APR
21.74% - 28.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
Apply Now

On Chase's Website.

Terms Apply

The Platinum Card® from American Express

The Platinum Card® from American Express
Rates and Fees

Terms Apply

Annual Fee
$695
Regular APR
See Pay Over Time APR
Intro Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Reserve®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Reserve®

You can get a lot of value out of the Hilton Honors American Express Aspire Card if you frequently travel and stay with Hilton, but the Chase Sapphire Reserve® can give you high-end benefits with greater rewards flexibility. You'll pay the same $550 annual fee for Chase Sapphire Reserve® as you would with the Hilton Honors American Express Aspire Card, but you get a $300 annual travel credit, complimentary airport lounge access and more than $1,200 in partner value, such as a $15 monthly Instacart credit. Chase Sapphire Reserve® cardholders can earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Premium Rewards Credit Card
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Premium Rewards® credit card
Rates and Fees

Terms Apply

More Info

The information for the Bank of America® Premium Rewards® credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Premium Rewards® credit card

This card can benefit Bank of America Preferred Rewards clients, and the points you earn with it don't expire.

Credit Needed

Excellent/Good

Annual Fee

$95

Intro Offer

60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening

Rewards Rate

2 points for every $1 spent on travel and dining purchases

Pros

  • You can earn up to 75% more in rewards if you’re a Bank of America Preferred Rewards client. You can receive up to $100 in statement credits each year for incidental airline fees, including seat upgrades, airport lounge access and checked bag fees.

  • The base rate reward of 1.5 points per dollar spent is higher than many cards.

Cons

  • The card charges a $95 annual fee and doesn’t waive it the first year, unlike some other travel credit cards.

  • This card doesn't give you the option to transfer to partners as some other travel credit cards do.

  • A late payment will trigger a penalty APR of up to 29.99% APR, which will apply indefinitely.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Premium Rewards® credit card offers 2 points for every $1 spent on travel and dining purchases and 1.5 points per dollar spent everywhere else. You can qualify to earn a 25% to 75% rewards bonus if you’re a Bank of America Preferred Rewards banking customer. New cardholders receive 60,000 bonus points – a $600 value – after making at least $4,000 in purchases in the first 90 days of opening an account.

The card has a $95 annual fee, but you'll pay no foreign transaction fee. You'll also have access to return protection, an auto collision damage waiver and a roadside dispatch program.

  • Issuer NameBank of America
  • Credit NeededExcellent/Good
  • Annual Fee$95
  • Regular APR20.74% - 28.74% Variable APR on purchases and balance transfers
  • Penalty APRup to 29.99% APR
  • Balance Transfer Fee4% of the amount of each transaction.
  • Cash Advance FeeSee terms

Yes, if you:

  • Are a Bank of America Preferred Rewards client. 
  • Don't mind a travel rewards card without transfer partners.
  • Are looking to earn unlimited points that don't expire.

The Bank of America® Premium Rewards® credit card could be a good choice to use in tandem with another travel card that earns higher bonus rewards, or that is tied to a specific airline or hotel chain you use a lot. That’s because the 1.5 points per dollar spent base rate is higher than most – and it can be even higher if you're a Preferred Rewards bank member. You can also squeeze more value out of the card if you take advantage of the yearly travel statement credit and earn the welcome offer. Just don’t miss a payment, or you’ll be stuck with a high penalty APR indefinitely.

Editor's Take

If you’re willing to pay an annual fee for a travel rewards card and you’re a Preferred Rewards banking customer, the Bank of America® Premium Rewards® credit card has good earning power. Preferred Rewards bumps your earnings up to between 2.5 and 3.5 points on travel and dining purchases, and between 1.87 to 2.62 points on all other purchases, depending on your program level. Without that status, however, other travel cards with similar fees have more earning potential and perks.

Dawn PapandreaContributor

Earn 60,000 bonus points (valued at $600) after you make at least $4,000 in purchases in the first 90 days of opening an account.

You'll earn 2 points for every $1 spent on travel and dining purchases and 1.5 points per dollar spent on all other purchases. Earn 60,000 bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of opening an account.

You'll receive between 25% and 75% more rewards if you are a Bank of America Preferred Rewards client. The program requires that you have at least $20,000 in combined balances between your checking and savings accounts with Bank of America and investment accounts with the bank’s wealth-management arm, Merrill, to earn the extra 25% in rewards. You'll get 50% more if you have at least $50,000 and 75% more if you have at least $100,000 in those accounts.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0 intro annual fee for the first year, then $95.
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Rewards
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card
Rates and Fees

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 28.49% (Variable)
Intro Offer
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Rewards
10X Points on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Alternative Pick

Citi Strata Premier℠ Card
Rates and Fees

Terms Apply

Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card is another rewards credit card with a $95 annual fee, but it has higher bonus earning rates and more bonus categories than the Bank of America® Premium Rewards® credit card. The Citi Strata Premier℠ Card earns 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases. $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). However, Bank of America® Premium Rewards® credit card has a higher base rate on non-bonus category purchases.

New cardholders of the Citi Strata Premier℠ Card can For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. The Citi Strata Premier℠ Card has travel point transfer partners, while the Bank of America® Premium Rewards® credit card card does not. With the Citi Strata Premier℠ Card, you can earn $100 off a single hotel stay of $500 or more if you book through thankyou.com once per calendar year. Neither card charges a foreign transaction fee. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Platinum Secured Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

Cardholders can build credit history with this secured credit card, but it’s not the best fit for those who want to earn rewards while building credit.

Credit Needed

Limited, Bad

Annual Fee

$0

Intro Offer

No annual or hidden fees. See if you're approved in seconds

Pros

  • Offers automatic credit line reviews.

  • Prequalify with no hard credit check.

  • $0 annual fee and no foreign transaction fee.

  • Lower minimum security deposit than other cards.

Cons

  • Does not earn rewards.

  • High variable APR.

  • No introductory APR.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Platinum Secured Credit Card is designed to help you build your credit with responsible use. With a $0 annual fee, the card reports to all three credit bureaus and will automatically consider you for a credit line increase after six months. (See Rates & Fees)

To open a Capital One Platinum Secured Credit Card, you'll need to make a refundable minimum security deposit of $49, $99 or $200 online or by phone. You can pay your security deposit in a single payment or in installments (over a 35-day period), but your account won't officially open until the minimum is met. The security deposit serves as collateral for the account; it will not earn interest or be applied toward your monthly payments.

Cardholders can choose their monthly due date, set up alerts via email or text, and use autopay to help them stay on top of payments. The card also has $0 fraud liability to protect you against unauthorized charges. To help secure your account further, you can use virtual card numbers, which let you pay for online purchases without revealing your real card number.

  • Issuer NameCapital One
  • Credit NeededLimited, Bad
  • Annual Fee$0
  • Regular APR29.99% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Are trying to build or rebuild your credit.
  • Want a card with no annual or foreign transaction fee.
  • Don't mind making a security deposit.
  • Plan to make at least the minimum payment on time each month.

When you’re using a secured card like the Capital One Platinum Secured Credit Card to build or rebuild credit, you’ll want to pay attention to two main things: paying on time and keeping your balance in check. These are the two most important factors impacting your credit score.

For on-time payments, setting up automatic payments can guarantee that you’ll never miss a due date. The other factor, credit utilization – which is how much available credit you use compared to your credit line – is a little more complex.

The key is to avoid using a large percentage of your credit limit, which can be a challenge when your credit limit is low. The lower your credit utilization, the better it is for your score. Therefore, the best way to maximize this card is to use it only for small purchases and then pay it off in full.

Editor's Take

For a secured credit card, this one has favorable terms, such as charging a $0 annual fee and automatically reviewing your account for a credit line increase after six months. The lower minimum security deposit of $49 with the ability to pay by installments can also make the card appealing for eligible applicants. (See Rates & Fees)

However, a few secured cards offer rewards and benefits – such as cash back. If those features are important to you, you might explore different products. But if your primary objective is to grow your credit score, you should start to see progress with six months of smart credit behavior such as small purchase amounts paid off in full each month. Over time, Capital One may increase your credit line and eventually offer to upgrade you to the unsecured version of the card and return your deposit.

Dawn PapandreaContributor

The Capital One Platinum Secured Credit Card does not have a welcome offer.

The Capital One Platinum Secured Credit Card does not offer rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

There are just a few fee-free secured credit cards on the market, but Discover it® Secured Credit Card is a worthy competitor of the Capital One Platinum Secured Credit Card. The Discover it® Secured Credit Card also offers automatic account reviews (starting in month seven), but it has a lower APR than the Capital One Platinum Secured Credit Card and offers cash back rewards.

When you make purchases on the Discover it® Secured Credit Card, you'll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. In addition to earning rewards, Discover will match all the cash back you’ve earned at the end of your first year. Where the Capital One Platinum Secured Credit Card has the edge is its much lower minimum security deposit of $49 compared to Discover it® Secured Credit Card‘s minimum $200 security deposit.

For rates and fees of the Capital One Platinum Secured Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Delta SkyMiles Gold American Express Card Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Delta SkyMiles® Gold American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Gold American Express Card

Frequent flyers of Delta Air Lines can use the Delta SkyMiles® Gold American Express Card to earn miles and take advantage of travel perks.

Credit Needed

Excellent, Good

Annual Fee

$0 introductory annual fee for the first year, then $150.

Intro Offer

Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.

Pros

  • You can earn bonus rewards on Delta Air Lines purchases.

  • When you fly with Delta, you will get a free checked bag, priority boarding and 20% back as a statement credit on eligible Delta in-flight purchases.

  • Miles earned with this card can be redeemed for travel with Delta.

  • Earn $100 in credits on prepaid Delta Stays bookings.

Cons

  • Delta SkyMiles® Gold American Express Card holders pay a $0 introductory annual fee for the first year, then $150.

  • The annual percentage rate is 20.24% to 29.24% variable.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Delta SkyMiles® Gold American Express Card is an airline rewards card designed for frequent Delta Air Lines flyers. You can earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets, plus earn 1X Miles on all other eligible purchases.

You can earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Each calendar year, you can earn a $200 Delta flight credit when you spend $10,000 in purchases on your card.

Travel benefits include a free checked bag on Delta flights for you and up to nine other passengers on your reservation, priority boarding, a global assistance hotline for medical or other emergencies and 20% back on in-flight purchases. You can also earn $100 in credits on prepaid Delta Stays bookings.

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$0 introductory annual fee for the first year, then $150.
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Frequently fly with Delta.
  • Want to redeem your rewards on Delta flights.
  • Feel comfortable with a variable 20.24% to 29.24% variable APR. (See Rates & Fees)

The travel benefits of the Delta SkyMiles® Gold American Express Card are some of the most valuable features of the card, so you should plan to take advantage of them. Cardholders get priority boarding and a free first checked bag for you and up to nine other passengers on your reservation. Prepaid Delta Stays bookings will earn you $100 in credits. You’ll also get 20% back as a statement credit on in-flight purchases. Statement credits can go up to $300.

Editor's Take

The Delta SkyMiles® Gold American Express Card is Delta’s entry-level cobranded credit card. It’s a good choice if you want a Delta credit card with the lowest annual fee and are willing to earn fewer miles and not access as many benefits as other Delta cards with higher annual fees.

If you fly often with Delta Air Lines, it might make sense for you to upgrade to the Delta SkyMiles® Platinum American Express Card or Delta SkyMiles® Reserve American Express Card, which offer higher rewards earning rates and more cardholder perks. The American Express® Green Card could also offer more flexibility in earning and redeeming travel rewards.

Jessica MerrittContributor

The information for the American Express® Green Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

New cardholders of the Delta SkyMiles® Gold American Express Card earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Each year, you can earn up to a $200 Delta flight credit when you spend $10,000 in eligible purchases.

You can earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.

When you open the card, you’ll earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Each calendar year, you can earn a $200 Delta flight credit when you spend $10,000 in purchases on your card.

Delta SkyMiles® can be used to book award flights, Delta vacation packages, Delta gift cards, seat upgrades, drinks and more. SkyMiles don’t expire.

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card
Rates and Fees

Terms Apply

Annual Fee
$350
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
3X Miles on Delta purchases and purchases made directly with hotels.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card
Rates and Fees

Terms Apply

Annual Fee
$650
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
3X Miles on Delta purchases
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

American Express® Green Card

American Express® Green Card

Terms Apply

Annual Fee
$150
Regular APR
21.24% to 29.24%
Intro Offer
Spend $3,000 on purchases on your new card in the first six months to earn 40,000 bonus points
Read More

The information for the American Express® Green Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

American Express® Green Card

Terms Apply

Read More

The information for the American Express® Green Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

American Express® Green Card

If you prefer a more flexible travel card, the American Express® Green Card, which has a $150 annual fee, is comparable to the Delta SkyMiles® Gold American Express Card. The American Express® Green Card earns three points per dollar on travel, including airfare, which is higher than the 2 miles per dollar earned on Delta purchases with the Delta SkyMiles® Gold American Express Card. Rewards can be transferred to American Express Membership Rewards partners, including Emirates Skywards, Finnair and Delta SkyMiles, and redeemed for travel. None

While the American Express® Green Card doesn’t offer Delta Air Lines perks such as free checked bags or priority boarding, it does offer a $100 annual LoungeBuddy statement credit for airport lounge access.

For rates and fees of the Delta SkyMiles® Gold American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One VentureOne Rewards Credit Card Review | US News
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One VentureOne Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One VentureOne Rewards Credit Card

This card offers a simple rewards structure, a low minimum spending requirement to earn the sign-up bonus and it charges a $0 annual fee. But it might not be a good fit for consumers looking to maximize rewards.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

20,000 Miles once you spend $500 on purchases within 3 months from account opening

Rewards Rate

5X Miles per dollar on hotels and rental cars booked through Capital One Travel.

Pros

  • Offers an 0% intro on purchases for 15 months; 19.49% to 29.49% (variable) APR after that; balance transfer fee applies.

  • Has a low minimum spending requirement to earn the sign-up bonus.

  • Charges a $0 annual fee.

Cons

  • Has a relatively low rewards rate.

  • Requires an excellent credit score.

  • Offers a relatively low sign-up bonus.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One VentureOne Rewards Credit Card offers a simple rewards program with 1.25 Miles per dollar on every purchase, every day. The card allows you to earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening. You'll also get an 0% intro on purchases for 15 months. After that, the APR is 19.49% to 29.49% (variable). The card charges a $0 annual fee and has no foreign transaction fees. (See Rates & Fees)

The Capital One VentureOne Rewards Credit Card offers a handful of benefits, including fraud coverage and emergency replacement card services.

  • Issuer NameCapital One
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR19.49% - 29.49% (Variable)
  • Penalty APRNone
  • Purchases Intro APR0% intro on purchases for 15 months
  • Balance Transfer FeeBalance transfer fee applies
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Want to avoid an annual fee.
  • Will book hotels and rental cars through Capital One Travel.
  • Would benefit from an introductory 0% APR promotion.

With a $0 annual fee, you'll earn rewards without having to pay to carry the Capital One VentureOne Rewards Credit Card, assuming you pay your balance each month to avoid interest charges. Take advantage of the card’s welcome offer to earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening. (See Rates & Fees)

The card also travels well internationally with no foreign transaction fees. The 0% intro on purchases for 15 months makes it a good choice if you need to finance a big purchase that will also earn rewards for travel.

Editor's Take

The Capital One VentureOne Rewards Credit Card comes at a low risk with a $0 annual fee, but alternative no-fee travel cards may provide more immediate and long-term value.

For instance, the Bank of America® Travel Rewards credit card allows you to earn an unlimited 1.5 points for every $1 spent on all purchases. The welcome offer gives 25,000 bonus points for making $1,000 in purchases in 90 days. The card also provides a 0% intro APR for 15 billing cycles for purchases, all while charging a $0. Earning 1.5% on all purchases is common among the top no-fee travel rewards cards, such as the Discover it® Miles and the Chase Freedom Unlimited®.

If you’re a frequent flyer or big spender, you may find more value in a travel credit card that has an annual fee. The Capital One Venture Rewards Credit Card offers 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening. It also offers 2 Miles per dollar on every purchase, every day and 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. If you don't need an intro APR and can easily meet the spending requirements to earn the sign-up bonus, you may want to consider paying the $95 annual fee. (See Rates & Fees)

Austin ColeContributor

Cardholders can earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening.

Earning rewards with the Capital One VentureOne Rewards Credit Card is simple: Earn an unlimited 1.25 Miles per dollar on every purchase, every day. Cardholders can also earn an unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

Miles earned can be redeemed as a statement credit for past travel purchases, to book a new travel reservation through the Capital One travel portal, or as cash in the form of a check, gift card or account credit. Rewards are unlimited and do not expire.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in 0% Introductory APR Credit Cards
Bank of America® Travel Rewards credit card
Rates and Fees

Terms Apply

More Info
Read More

The information for the Bank of America® Travel Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Travel Rewards credit card

Similar to the Capital One VentureOne Rewards Credit Card, the Bank of America® Travel Rewards credit card charges a $0 annual fee, no foreign transaction fees and offers a 0% intro APR for 15 billing cycles for purchases.

The Bank of America® Travel Rewards credit card also offers 1.5 points per dollar spent on all purchases and 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

For rates and fees of the Capital One VentureOne Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Princess Cruises Rewards Visa Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Princess Cruises Rewards Visa® Card

Terms Apply

More Info

The information for the Princess Cruises Rewards Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Princess Cruises Rewards Visa® Card

You can benefit from this card if you love to cruise with Princess, but other travel rewards credit cards may offer better rewards and benefits.

Annual Fee

$0

Rewards Rate

2X Points per dollar spent on all Princess purchases

Pros

  • There's no annual fee.

  • After you spend $500 within 90 days of opening an account, you can earn a 10,000-point sign-up bonus worth a $100 Princess purchase.

  • Cardholders earn two points per dollar spent on Princess purchases

Cons

  • Unlike many other co-branded travel cards, the Princess Cruises Rewards Visa® Card does not offer brand-specific benefits like priority boarding.

  • Point redemptions are limited to Princess cruises and select travel bookings.

  • No introductory APR on purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Princess Cruises Rewards Visa® Card is a co-branded travel rewards card that earns points redeemable for Princess cruises, eligible airfare, onboard amenities, gift cards and more. You'll earn two points per dollar spent on Princess purchases and one point per dollar on all other purchases. New cardholders get a 10,000-point sign-up bonus after spending $500 within 90 days of opening an account, which is enough to redeem for a $100 statement credit on a cruise purchase.

There's no annual fee, and you can take advantage of a 15-month 0% introductory annual percentage rate on balance transfers made within 45 days of opening an account.

  • Issuer NameBarclays
  • Annual Fee$0
  • Regular APR20.24%, 26.24%, or 29.99% variable based on your creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Cruise with Princess Cruises or other World's Leading Cruise Line brands.
  • Want to avoid an annual fee and foreign transaction fees.
  • Want to earn a sign-up bonus without a high spending requirement.

The Princess Cruises Rewards Visa® Card has no annual fee, so you can earn Princess Cruises rewards without needing to offset an annual fee. You'll earn two points per dollar spent on Princess purchases, including onboard purchases. It's a good idea to earn the 10,000-point sign-up bonus by planning to spend at least $500 within 90 days of opening an account. The bonus is equivalent to a $100 onboard credit.

If you are going to use the card's 15-month introductory APR on balance transfers, plan to pay off the balance before the 0% rate expires. You can divide the balance by 15 to see how much you need to pay each month

Editor's Take

The Princess Cruises Rewards Visa® Card can be useful if you frequently cruise with Princess Cruises. It earns two points per dollar spent on Princess purchases and one point per dollar on all other purchases. Still, other cards may earn more on travel, such as Chase Freedom Unlimited®, which earns 5% back on travel purchased through Chase Travel℠.

Unlike many co-branded cards, the Princess Cruises Rewards Visa® Card doesn't offer cruise line perks, such as priority boarding, though you can redeem points for cruises and onboard expenses.

Jessica MerrittContributor

After you spend $500 within 90 days of opening an account, you can earn a 10,000-point sign-up bonus.

You can earn the most rewards with the Princess Cruises Rewards Visa® Card when you make purchases with Princess Cruises, whether you're booking a cruise or making onboard purchases. The 10,000-point sign-up bonus – worth $100 on Princess Cruises – is a good way to jump-start your points earning when you spend $500 within 90 days of opening an account. That's easy to achieve if you open your card and book a cruise with it.

Points never expire as long as your account remains open and in good standing. They can be redeemed for statement credits toward Princess Cruises, other World's Leading Cruise Line brands, eligible airfare purchases, as well as onboard credit, gift cards and more.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited® has no annual fee and earns 5% cash back on travel purchased through Chase Travel℠, including cruise bookings. It also earns 3% cash back at restaurants and drugstores and 1.5% cash back on all other purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PNC Visa Business Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PNC Visa® Business Credit Card

Terms Apply

The information for the PNC Visa® Business Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

PNC Visa® Business Credit Card

This no-annual-fee business card offers a 13-month 0% annual percentage rate on balance transfers.

Annual Fee

$0

Pros

  • There's no annual fee.

  • Businesses can use the 13-month 0% annual percentage rate on balance transfers to save on interest charges.

  • The standard variable APR of 15.24% to 25.24% is potentially low for well-qualified businesses.

Cons

  • The card doesn't earn rewards or offer significant cardholder benefits.

  • Balance transfers require a 3% or $5 balance transfer fee, whichever is greater.

  • There's a 3% foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The PNC Visa® Business Credit Card is a no-frills business credit card that offers a 13-month 0% annual percentage rate on balance transfers made within 90 days of opening an account and a standard variable APR of 15.24% to 25.24%. There is no annual fee, and the card offers several financial and risk management tools for small business owners.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR15.24% to 25.24%
  • Penalty APR28.99% Variable
  • Balance Transfer Fee3% or $5 balance transfer fee, whichever is greater
  • Cash Advance FeeEither $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)
  • Foreign Transaction Fee3%

Yes, if you:

  • Can qualify for a low APR.
  • Need a 13-month 0% annual percentage rate on balance transfers.
  • Prefer to avoid annual fees.

With this basic business credit card, you can make the most of the PNC Visa® Business Credit Card by using its low-interest features. First, the card offers 13-month 0% annual percentage rate on balance transfers, which can offer savings if you have high-interest business credit card balances.

Though it's best not to carry a balance, the variable APR on this card is as low as 15.24%. That could help you save on interest if your business qualifies for the low rate and you occasionally need to carry a balance.

Editor's Take

While you won't earn rewards with the PNC Visa® Business Credit Card, your business can get savings from this card. With no annual fee and 13-month 0% annual percentage rate on balance transfers, it's a good option if you need some relief from high-interest business credit cards. And if you can qualify for the 15.24% APR, that's a fairly low rate you can count on if you ever need to carry a balance – though it's best to avoid interest charges altogether.

Jessica MerrittContributor

There's no welcome offer with the PNC Visa® Business Credit Card.

The PNC Visa® Business Credit Card doesn't earn rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

If you're interested in rewards and prefer a 0% APR on purchases rather than balance transfers, consider the Ink Business Cash® Credit Card. With this card, you can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. While you won't get a 13-month 0% annual percentage rate on balance transfers, you do get a 0% intro APR on purchases for 12 months. After that, a 17.74% to 25.74% variable APR applies. There's no annual fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi Strata Premier | Credit Cards | U.S. News
By Dawn Papandrea
|
Edited by Stephanie Steinberg
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Stephanie Steinberg
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi Strata Premier℠ Card
Rates and Fees

Terms Apply

Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card earns solid rewards on eligible travel and everyday expenses but can have a high interest rate.

Credit Needed

Excellent, Good

Annual Fee

$95

Intro Offer

For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

Rewards Rate

10X Points on Hotels, Car Rentals, and Attractions booked through CitiTravel.com

Pros

  • Cardholders can earn a 75,000-point bonus after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

  • You can earn 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases. $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).

  • No foreign transaction fee.

Cons

  • There’s no 0% APR introductory period.

  • The card’s APR is 20.49% to 28.49% (variable), which is higher than average.

  • Cardholders don’t get travel insurance or consumer protection benefits available with similar travel rewards credit cards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citi Strata Premier℠ Card is a rewards credit card that offers cardholders the ability to earn 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases. $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). Each calendar year, cardholders can receive one $100 discount on an eligible hotel stay of $500 or more (excluding taxes and fees) purchased at thankyou.com or 800-THANKYOU. The annual fee is $95, and there is a 20.49% to 28.49% (variable) annual percentage rate. (See Rates & Fees)

  • Issuer NameCiti
  • Credit NeededExcellent, Good
  • Annual Fee$95
  • Regular APR20.49% - 28.49% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Balance Transfer FeeBalance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee0%
Apply Now

On Citi's Website.

Rates & Fees

Yes, if you:

  • Make a lot of eligible travel, food and gas purchases.
  • Can spend enough to earn the sign-up bonus.
  • Don't want to pay a foreign transaction fee.

This should be your go-to card for travel, food and gas unless another card in your wallet earns more than three points per dollar on these purchases. It’s also worth checking out the Citi® Merchant Offers section of your account or app each month. These offers have to be activated, but you can earn bonus cash back for shopping at certain retailers during a specified period. Also look out for gift card sales where your ThankYou® points are worth more than one cent each.

Editor's Take

The Citi Strata Premier℠ Card offers bonus rewards in some top spending categories, making it a good everyday card to have in your wallet. While it may not have the travel perk bells and whistles of some other rewards cards with an annual fee, you can get a lot of value from the card. Redeem wisely by transferring to a travel partner or for gift cards rather than shopping with points on Amazon, where the value drops below one cent.

Dawn PapandreaContributor

With the Citi Strata Premier℠ Card, new cardholders receive a 75,000-point bonus after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

Spending money on eligible travel, food and gas is the best way to maximize your rewards with the Citi Strata Premier℠ Card. You earn 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases. $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). Through June 30, 2024, earn a total of 10 ThankYou® Points per dollar spent on hotels and car rentals booked on the Citi Travel℠ portal.

You will receive a 75,000-point sign-up bonus after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. You can redeem your ThankYou® Points for travel, gift cards, online shopping with Amazon or Best Buy and more. You can also transfer your points to loyalty programs, including JetBlue TrueBlue and Virgin Atlantic Flying Club.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

Best in Travel Credit Cards

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$95
Regular APR
19.99% - 29.49% (Variable)
Intro Offer
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Rewards
2X Miles per dollar on every purchase, every day.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Citi Rewards+® Card

Citi Rewards+® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.99% - 27.99% (Variable)
Intro Offer
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Rewards
5X ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture Rewards Credit Card

If you’re in the market for a mid-level travel rewards card but don’t want to think about bonus categories, the Capital One Venture Rewards Credit Card offers a flat 2 Miles per dollar on every purchase, every day. The Capital One Venture Rewards Credit Card earns 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. The Capital One Venture Rewards Credit Card offers 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening, which is a bit bigger than the Citi Strata Premier℠ Card’s 75,000 ThankYou® points. Like the Citi Strata Premier℠ Card, there is a $95 annual fee on the Capital One Venture Rewards Credit Card and no foreign transaction fee, but you’ll get additional travel benefits, including up to $120 credit for Global Entry or TSA PreCheck. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD USAA Rewards American Express Card Review | U.S. News
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

USAA® Rewards™ American Express® Card

Terms Apply

The information for the USAA® Rewards™ American Express® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

USAA® Rewards™ American Express® Card

The USAA® Rewards™ American Express® Card has good earning rates for everyday spending categories, but you must be a USAA member to qualify for the card.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

3X Points on dining out

Pros

  • $0 annual fee.

  • You can use a 15-month introductory APR on balance transfers.

  • The sign-up bonus is easily attainable.

  • You can earn high rewards rates in everyday spending categories.

Cons

  • There’s no introductory APR on purchases.

  • You must be a current or former member of the military or an immediate family member for USAA membership.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The USAA® Rewards™ American Express® Card gives you three points per dollar spent on dining, two points per dollar on gas and grocery purchases, and one point per dollar for all other purchases. The card does not charge an annual fee or a foreign transaction fee, but a late payment or returned payment fee of up to $35 may apply. New cardholders can get a 15-month introductory APR on balance transfers and 2,500 bonus points after your first purchase with the card.

  • Issuer NameUSAA
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR14.90% to 30.90%
  • Penalty APRNone
  • Balance Transfer Fee3% of the amount of each transfer
  • Cash Advance Fee3% of the amount of each cash advance

Yes, if you:

  • Don’t want to pay an annual fee.
  • Frequently spend in the card’s bonus categories.
  • Qualify for USAA membership.

The USAA® Rewards™ American Express® Card has a high earning rate on everyday spending categories including dining, groceries and gas stations, but only earns one point per dollar spent on all other purchases. It’s a good idea to use this card for purchases that earn bonus points.

The USAA® Rewards™ American Express® Card also has a slew of benefits you should take advantage of, including auto rental coverage, travel accident insurance, baggage delay and reimbursement, and trip cancellation and interruption coverage.

Editor's Take

The USAA® Rewards™ American Express® Card can be a good choice if you qualify for USAA membership through military affiliation or a family member. With no annual fee, it has almost no risk to carry and offers a good rewards rate in everyday purchase categories. However, you’ll only earn one point per dollar spent on non-bonus purchases and need to be a USAA member to qualify.

Consider pairing this card with a flat-rate rewards credit card that’ll earn you more than one point per dollar spent on purchases outside the bonus categories. With the Wells Fargo Active Cash® Card, you can earn unlimited 2% cash rewards on purchases.

Austin ColeContributor

The USAA® Rewards™ American Express® Card offers 2,500 bonus points after your first purchase with the card.

Since you earn three points per dollar on dining, two points per dollar on purchases of gas or groceries and one point per dollar for all other purchases with the USAA® Rewards™ American Express® Card, you should use this card for dining, gas and grocery purchases to maximize your benefits.

Points earned don’t expire and can be redeemed through the USAA Rewards Center, where redemption options include travel rewards, gift cards or statement credit.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Balance Transfer Credit Cards
Bank of America® Customized Cash Rewards credit card
Rates and Fees

Terms Apply

More Info
Read More

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card offers similar rewards to the USAA® Rewards™ American Express® Card, giving cardholders 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases.

The Bank of America® Customized Cash Rewards credit card also offers 0% intro APR for 15 billing cycles for purchases and charges a $0 annual fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Travel Rewards for Students | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Travel Rewards Credit Card for Students

Terms Apply

More Info

The information for the Bank of America® Travel Rewards Credit Card for Students has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America® Travel Rewards Credit Card for Students

This card may be a good fit for students who want to earn unlimited travel rewards at a flat rate while building their credit. Students with at least fair credit may get more value from other student credit cards, depending on their spending habits and rewards goals.

Credit Needed

New to credit

Annual Fee

$0

Rewards Rate

1.5X Points per dollar spent on all purchases

Pros

  • Points never expire and can be applied toward any airline, hotel or rental car booking with no blackout dates.

  • You can earn $250 online bonus points (valued at $250) if you make at least $1,000 in purchases in the first 90 days of your account opening.

  • There is a $0 annual fee and no foreign transaction fee.

  • The card offers a 0% introductory annual percentage rate for 15 billing cycles on purchases and balance transfers made within 60 days of opening the card.

Cons

  • Other cards with bonus spending categories might earn more rewards.

  • The card lacks some popular benefits that can be found on other travel cards such as travel accident insurance or an auto rental damage liability waiver.

  • If you make a late payment, the penalty APR could be up to 29.99%, based on your creditworthiness and last indefinitely.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Travel Rewards Credit Card for Students offers flexible travel rewards with students in mind. With this card, you can earn travel rewards while building credit, and access your FICO® score each month for free. The card has a $0 annual fee and no foreign transaction fees. Plus, you can keep your account secure with fraud protection and account alerts.

  • Issuer NameBank of America
  • Credit NeededNew to credit
  • Annual Fee$0
  • Regular APR19.24% to 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Purchases Intro APR0% intro APR for your first 15 billing cycles on purchases and for any balance transfers made within the first 60 days of opening your account
  • Balance Transfer Fee3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction

Yes, if you:

  • Want unlimited flat-rate rewards that can be redeemed for travel.
  • Plan to spend at least $1,000 within 90 days of opening the account so you can earn the card's sign-up bonus.
  • Have a planned purchase or existing balance you want to pay off interest-free in over a year.

If you need a little extra time to pay off your college books or a spring break getaway, the 0% introductory APR on purchases for the first 15 billing cycles can offer some interest-free wiggle room.

Other than that, your goal should be to pay off your balance in full each month so that interest charges don't negate your hard-earned rewards.

Editor's Take

For those new to credit, the Bank of America® Travel Rewards Credit Card for Students is a good introduction to credit card rewards. The flat-rate earnings structure means there are no categories to keep track of, and the redemption options can help students offset the cost of traveling home on breaks, road trips and other trips. You can also redeem rewards for a statement credit to cover past restaurant and takeout spending.

The welcome offer is a pretty generous one for a student credit card. Even if you have to spend a little more than usual to qualify for it, you'll have extra time to pay it off without interest thanks to the 0% introductory APR on purchases for the first 15 billing cycles.

Jessica MerrittContributor

Bank of America® Travel Rewards Credit Card for Students cardholders can earn $250 online bonus points after spending $1,000 in purchases in the first 90 days of your account opening. This can be redeemed for a $250 statement credit toward travel and dining purchases.

With 1.5 points per dollar on every purchase, the Bank of America® Travel Rewards Credit Card for Students has straightforward earnings. There are no special categories to maximize.

Points can be redeemed for statement credits to pay for travel purchases, including flights, hotels, vacation packages, cruises, rental cars or baggage fees. Cardholders aren't limited to using specific websites with restrictions or blackout dates. You can also use points to cover dining and takeout purchases.

Discover it® Student Chrome

Discover it® Student Chrome
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.49% - 26.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Savor Student Cash Rewards Credit Card

Capital One Savor Student Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
Earn $50 Cash Back when you spend $100 in the first three months
Rewards
8% Cash Back on Capital One Entertainment purchases.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
Earn $50 Cash Back when you spend $100 in the first three months
Rewards
1.5% Cash Back on every purchase, every day.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Student Credit Cards
Capital One Savor Student Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Savor Student Cash Rewards Credit Card

The Capital One Savor Student Cash Rewards Credit Card lets cardholders earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 8% Cash Back on Capital One Entertainment purchases. 1% Cash Back on all other purchases. Since these are all popular student spending categories, you'll have an opportunity to get more value than you might from the Bank of America® Travel Rewards Credit Card for Students.

You can also redeem your earnings as a statement credit to cover your purchases or for gift cards. SavorOne's welcome offer requires much less spending to qualify – just $100 in the first three months – but it's only worth $50 compared to the $250 in value you'll get from the Bank of America® Travel Rewards Credit Card for Students. The Capital One Savor Student Cash Rewards Credit Card also doesn't have an introductory APR, giving the Bank of America card the edge. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD USAA Preferred Cash Rewards Visa Signature Card Review | U.S. News
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

USAA® Preferred Cash Rewards Visa Signature® Card

Terms Apply

The information for the USAA® Preferred Cash Rewards Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

USAA® Preferred Cash Rewards Visa Signature® Card

The USAA® Preferred Cash Rewards Visa Signature® Card offers a simple rewards system, but other cards may offer better rewards for everyday spending.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

1.5% Cash back on all purchases

Pros

  • No annual fee, over-the-credit-limit fee or foreign transaction fee.

  • 0% introductory APR for 15 billing cycles on purchases.

  • Simple rewards structure with no bonus categories or limits on the amount of cash back you can earn.

Cons

  • No sign-up bonus to earn additional cash back.

  • Other cards may offer a higher rewards rate for everyday purchases.

  • No introductory APR on balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The USAA® Preferred Cash Rewards Visa Signature® Card gives an unlimited 1.5% cash back on every purchase. New cardholders also get a 0% introductory APR for 15 billing cycles on purchases. There is no annual fee, over-the-credit-limit fee or foreign transaction fee.

  • Issuer NameUSAA
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR16.40% to 30.40%
  • Penalty APRNone
  • Purchases Intro APR0% introductory APR for 15 billing cycles on purchases
  • Balance Transfer Fee3% of the amount of each transfer
  • Cash Advance Fee3% of the amount of each cash advance

Yes, if you:

  • Prefer a simple rewards system.
  • Can take advantage of 0% introductory APR for 15 billing cycles on purchases.
  • Are a USAA member.

The USAA® Preferred Cash Rewards Visa Signature® Card offers a flat-rate of 1.5% cash back on every purchase. This simple rewards structure makes it easy to earn cash back, but you should pair it with another card to maximize the amount of cash back you earn.

Consider pairing the USAA® Preferred Cash Rewards Visa Signature® Card with the USAA® Rewards™ Visa Signature® Card, which earns two points per dollar spent on dining and at gas stations, plus one point per dollar spent on all other purchases. Pairing these two cards ensures you’ll earn bonus rewards on frequent spending categories like dining and gas while earning 1.5% cash back on every purchase.

If you're willing to look outside of USAA, you could pair the USAA® Preferred Cash Rewards Visa Signature® Card with the Discover it® Cash Back credit card, which allows cardholders to earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. It’s not as simple as the rewards structure of the USAA® Preferred Cash Rewards Visa Signature® Card, but you’ll earn a great rewards rate on frequent spending categories.

Editor's Take

If you're an USAA member looking for a simple cash back rewards card, the USAA® Preferred Cash Rewards Visa Signature® Card is a solid option.

Although you may be able to find a higher flat-rate cash back card, the USAA® Preferred Cash Rewards Visa Signature® Card comes with a slew of travel benefits that most no-annual-fee cards don’t offer. These perks include auto rental coverage, travel accident insurance, trip cancellation and interruption coverage and baggage delay and reimbursement.

Austin ColeContributor

This card doesn't offer a sign-up bonus. However, new cardholders receive a 0% introductory APR for 15 billing cycles on purchases. After the introductory period, the variable regular APR will apply.

Maximizing rewards with the USAA® Preferred Cash Rewards Visa Signature® Card is simple since you earn 1.5% cash back on every purchase. Cash back for posted transactions is usually added within 48 hours. You can check your total on usaa.com or the mobile app and choose from redemption options including travel purchases, gift cards, cash as a statement credit or a charitable donation.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America® Cash Rewards Credit Card for Students Review | U.S. News
By U.S. News Staff
|
Edited by Melanie Pincus
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By U.S. News Staff
|
Edited by Melanie Pincus
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Customized Cash Rewards for Students

Terms Apply

The information for the Bank of America® Customized Cash Rewards for Students has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America® Customized Cash Rewards for Students

With appealing rewards categories, no annual fee and a solid 0% introductory annual percentage rate offer, the Bank of America® Customized Cash Rewards for Students is ideal for student spenders.

Credit Needed

New to credit

Annual Fee

$0

Rewards Rate

3% Cash back in the category of your choice

Pros

  • $0 annual fee.

  • The 15-month 0% APR for purchases and balance transfers made within 60 days of opening the account. After that, a 19.24% to 29.24% variable APR applies.

  • New cardholders receive a $200 online cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of your account opening.

  • You can earn 3% cash back in a category of your choice, including gas, online shopping, travel, dining, drug stores, and home improvement and furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.

Cons

  • Earning the 3% and 2% cash back is limited to the first $2,500 spent in the rewards categories combined each quarter. You’ll earn 1% after that.

  • This card charges a 3% foreign transaction fee, which is not ideal for students planning to study abroad.

  • Potentially high APR if you carry a balance.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Customized Cash Rewards for Students gives students the opportunity to earn up to 3% cash back with no annual fee. Though some other credit cards offer higher rewards rates in certain categories, this card offers solid earnings and allows you to choose the category that earns 3% cash back. You also get 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.

New cardholders receive a $200 online cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of your account opening. The card also comes with a 15-month 0% APR for purchases and balance transfers made within 60 days of opening the account. After that, a 19.24% to 29.24% variable APR applies.

  • Issuer NameBank of America
  • Credit NeededNew to credit
  • Annual Fee$0
  • Regular APR19.24% to 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Balance Transfer Fee3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction
  • Foreign Transaction Fee3%

Yes, if you:

  • Want a student card with no annual fee.
  • Plan to spend regularly in the bonus categories, but not so much as to surpass the quarterly limit.
  • Need an introductory 0% APR for balance transfers and new purchases.

You can make the most of the Bank of America® Customized Cash Rewards for Students by maximizing rewards and taking advantage of the card’s 0% introductory APR.

Plan your purchases to earn $200 online cash rewards bonus when you spend at least $1,000 in purchases in the first 90 days of your account opening. You can also strategically time purchases to maximize the 3% cash back in a category of your choice, including gas, online shopping, travel, dining, drug stores, and home improvement and furnishings, though 3% and 2% earnings are limited to the first $2,500 in combined purchases each quarter.

If you need to make a large purchase or pay off a high-interest balance, you can use the card’s 15-month 0% APR for purchases and balance transfers made within 60 days of opening the account. After that, a 19.24% to 29.24% variable APR applies.

Editor's Take

The Bank of America® Customized Cash Rewards for Students is a good card for students who want to flexibly earn rewards and use the 0% introductory APR offer without paying an annual fee.

While this card is a solid choice, you might earn more with other student cards such as the Discover it® Student Cash Back. Cardholders of the Discover it® Student Cash Back can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Jessica MerrittContributor

Bank of America® Customized Cash Rewards for Students cardholders can earn a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of your account opening.

You can maximize rewards with the Bank of America® Customized Cash Rewards for Students by planning to spend $1,000 in purchases in the first 90 days of your account opening to get the $200 online cash rewards bonus.

To earn 3% cash back, you'll select a qualifying category option: gas and EV charging stations; online shopping including cable, internet, phone plans and streaming; dining; travel; drugstores and pharmacies; or home improvement and furnishings. You'll also earn 2% cash back at grocery stores and wholesale clubs. However, 3% and 2% cash back earning is limited to the first $2,500 spent each quarter.

Best in Student Credit Cards

Discover it® Student Cash Back

Discover it® Student Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.49% - 26.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
Earn $50 Cash Back when you spend $100 in the first three months
Rewards
1.5% Cash Back on every purchase, every day.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Bank of America® Travel Rewards Credit Card for Students

Bank of America® Travel Rewards Credit Card for Students

Terms Apply

Annual Fee
$0
Regular APR
19.24% to 29.24% Variable APR
Rewards
1.5X Points per dollar spent on all purchases
Read More

The information for the Bank of America® Travel Rewards Credit Card for Students has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

The information for the Bank of America® Travel Rewards Credit Card for Students has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Student Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Student Cash Back

Discover it® Student Cash Back offers cash back rewards in quarterly rotating categories, a cash back match and 0% intro APR for 6 months, then 17.49% to 26.49% variable APR on purchases.

While your maximum sign-up bonus with the Bank of America® Customized Cash Rewards for Students is $200, Discover will match all the cash back you’ve earned at the end of your first year. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Aer Lingus Visa Signature® Card | Credit Cards | U.S. News
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Tue Nov 12
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Tue Nov 12, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Aer Lingus Visa Signature® Card

Terms Apply

More Info

The information for the Aer Lingus Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Aer Lingus Visa Signature® Card

This card offers travelers perks and points for eligible flights and hotel purchases but charges a $95 annual fee.

Credit Needed

Good/Excellent

Annual Fee

$95

Intro Offer

Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Rewards Rate

3X Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL.

Pros

  • Cardholders earn three Avios points per dollar with Aer Lingus and participating partners.

  • You can earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

  • Each year you spend at least $30,000, you’ll get a companion flight ticket good for 12 months.

Cons

  • Rewards must be redeemed with Aer Lingus or partner airlines.

  • There’s a $95 annual fee.

  • Avios points can expire after 36 months of inactivity.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Aer Lingus Visa Signature® Card is designed for travelers who want to earn points for travel purchases and use exclusive perks while traveling to or within Europe.

Cardholders earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

There’s also a sign-up bonus where you’ll earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

  • Issuer NameChase
  • Credit NeededGood/Excellent
  • Annual Fee$95
  • Regular APR20.99% - 27.99% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

Yes, if you:

  • Frequently fly with Aer Lingus and its partners
  • Can get enough value from the card to offset the $95 annual fee
  • Will spend $30,000 or more annually to earn a companion ticket

You’ll get the most from this card when you use it to fly with Aer Lingus and its partners. Cardholders of the Aer Lingus Visa Signature® Card earn 3 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Any time you or an authorized user fly to Ireland from the U.S. on Aer Lingus, you’re eligible for priority boarding. You also can earn a companion ticket each year you spend $30,000 or more on your card. The ticket is redeemable over a 12-month period.

Editor's Take

The Aer Lingus Visa Signature® Card is a good choice if you frequently fly with Aer Lingus and will get enough value from the card to offset the annual fee. It can be valuable if you’ll earn and redeem Avios, spend at least $30,000 on your card annually to earn a companion pass, and can take advantage of priority boarding on qualifying Aer Lingus flights.

Jessica MerrittContributor

Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

You can earn the most rewards on the Aer Lingus Visa Signature® Card when you make purchases with Aer Lingus, British Airways, Iberia and Level, which earn three Avios per dollar spent. Directly booked hotels earn two Avios per dollar, and earn 1 Avios per $1 spent on all other purchases. You’ll earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

If you want to earn rewards you can use for traveling with Aer Lingus but want a more well-rounded card, the Chase Sapphire Preferred® Card is one to consider. Cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Points can be redeemed for travel at 25% more value through Chase Travel, or you can transfer rewards to Chase travel partners, including Aer Lingus.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Credit One Bank American Express® Credit Card Review | U.S. News
By Stephanie Steinberg
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Stephanie Steinberg
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Credit One Bank American Express® Card

Terms Apply

The information for the Credit One Bank American Express® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Credit One Bank American Express® Card

This card is a good choice for those with fair credit looking for a rewards credit card. However, those with better credit can get a higher cash back rate with other cards.

Credit Needed

Fair, Good

Annual Fee

$39

Rewards Rate

1% Cash back rewards on all eligible purchases

Pros

  • Cardholders earn 1% cash back on every purchase, with no category limitations, points to track or limit on rewards.

  • Earned cash back is credited to your account automatically.

  • You may get approval for the Credit One Bank American Express® Card with a fair credit score.

Cons

  • The card doesn't offer a 0% introductory APR on purchases.

  • The card has a 29.74% variable APR APR.

  • The Credit One Bank American Express® Card doesn’t offer balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Credit One Bank American Express® Card is a flat-rate cash back credit card that earns 1% cash back on every purchase – with no categories to choose, points to track or limit on rewards. The card charges a $39 annual fee, has a 29.74% variable APR annual percentage rate and is available to people with fair to excellent credit.

  • Issuer NameCredit One Bank
  • Credit NeededFair, Good
  • Annual Fee$39
  • Regular APR29.74% Variable APR
  • Penalty APRNone
  • Balance Transfer FeeSee Terms
  • Cash Advance Fee$5/8%, whichever is greater (see terms)
  • Foreign Transaction Fee3% or $1.00, whichever is greater

Yes, if you:

  • Have average credit and prefer a rewards credit card.
  • Favor a simple reward structure.
  • Can do without a balance transfer option.

The Credit One Bank American Express® Card earns unlimited 1% cash back that’s simple to redeem, but make sure you will earn enough rewards to offset the $39 annual fee. That’s about $3,900 in annual spending to break even. Also, avoid carrying a balance, as the cost of interest payments can easily negate your rewards earned.

Editor's Take

The Credit One Bank American Express® Card is designed for people with average to excellent credit who want to earn simple rewards. But other cards could offer a better deal, such as the Capital One QuicksilverOne Cash Rewards Credit Card, which earns 1.5% Cash Back on every purchase, every day.

Jessica MerrittContributor

The Credit One Bank American Express® Card doesn’t have a welcome offer for new cardholders.

The Credit One Bank American Express® Card is a flat-rate cash back card that doesn’t offer any bonus spending categories. The card earns 1% cash back on every purchase, with no limit on rewards, which transfer to your account automatically.

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$39
Regular APR
29.99% (Variable)
Intro Offer
Earn unlimited 1.5% cash back on every purchase, every day
Rewards
1.5% Cash Back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

Discover it® Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Citi Custom Cash® Card

Citi Custom Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card also charges a $39 annual fee, but earns more at 1.5% Cash Back on every purchase, every day. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD M&T Bank Visa Business Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

M&T Business Credit Card

Terms Apply

The information for the M&T Business Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

M&T Business Credit Card

Businesses can get a 12-month 0% APR on purchases and balance transfers with no annual fee.

Annual Fee

$0

Pros

  • $0 annual fee.

  • You can add employee cards at no cost and manage spending limits.

  • There's a 12-month 0% APR on purchases and balance transfers.

Cons

  • You won't earn any rewards or a sign-up bonus.

  • Card benefits are limited to no-cost employee cards and fraud protection.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The M&T Business Credit Card is a no-frills credit card for small to midsize businesses that has no annual fee. You can add employee cards at no cost and manage spending limits. For the first 12 months, there's a 0% APR on purchases and balance transfers. After that, the variable APR is 15.49% to 22.49%.

  • Issuer NameM&T Bank
  • Annual Fee$0
  • Regular APR15.49% to 22.49%
  • Penalty APR24.99% Variable
  • Balance Transfer Fee4% balance transfer fee, with a $10 minimum
  • Cash Advance Fee3% of each transaction (minimum $10)

Yes, if you:

  • Can use the 12-month 0% APR on purchases and balance transfers.
  • Don't want to pay an annual fee. 
  • Aren't concerned with earning rewards for purchases or travel.

The 12-month 0% APR on purchases and balance transfers can help you pay for a large purchase or pay down high-interest debt over time. If you can pay it off within the 0% introductory period, you can finance your purchase or balance transfer interest free. However, there's a 4% balance transfer fee, with a $10 minimum.

Editor's Take

The M&T Business Credit Card can be useful if you're looking for a no-annual-fee business card that allows you to add and manage employee cards for free. It can also be a good choice if you can take advantage of the 12-month 0% APR on purchases and balance transfers. However, other business cards offer sign-up bonuses and rewards you can redeem for travel or statement credits. So if you don't need an interest-free period, you may be better served by another card that comes with rewards.

Jessica MerrittContributor

The M&T Business Credit Card doesn't have a welcome offer.

You won't earn rewards with the M&T Business Credit Card.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card has no annual fee and offers free employee cards for up to 99 employees. While there's a 12-month 0% introductory APR, it's only on purchases, not balance transfers. After 12 months the APR is 17.74% to 25.74% variable. However, you can earn rewards with this card. You'll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Cardholders can also earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi Diamond Preferred Card 2024 Review | U.S. News
By Dawn Papandrea
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Roth
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Roth
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi® Diamond Preferred® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi® Diamond Preferred® Card

Get an introductory APR of 0% for 12 months on purchases. After that, there's an 17.49% to 28.24% (variable), based on your creditworthiness. Balance transfers must be completed within four months of opening the account.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

0% Intro APR for 21 months on balance transfers After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Pros

  • Offers 0% for 12 months on purchases, a 17.49% to 28.24% (variable) APR follows.

  • Offers 0% intro APR for 21 months on Balance Transfers, a 17.49% to 28.24% (variable) APR follows.

  • $0 annual fee.

Cons

  • No rewards or welcome offer.

  • You'll pay foreign transaction fees with this card.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citi® Diamond Preferred® Card is best used for paying off balances on other credit cards and large new purchases.

The key feature of the Citi® Diamond Preferred® Card is its intro APR of 0% for 12 months on purchases and 0% intro APR for 21 months on Balance Transfers. After that, the APR will be 17.49% to 28.24% (variable). Balance transfers must be completed within four months of opening the account.

Once the introductory period ends, there really isn't much benefit to using this credit card, as it doesn't offer rewards or extensive cardholder perks. For those who enjoy entertainment experiences, one perk is access to purchase presale tickets for concerts, sporting events and dining experiences.

  • Issuer NameCiti
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.49% - 28.24% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Purchases Intro APR0% for 12 months on Purchases
  • Balance Transfer FeeBalance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee3%
Apply Now

On Citi's Website.

Rates & Fees

Yes, if you:

  • Need to pay off other credit card balances and can do so within the introductory window
  • Want to finance large purchases within 12 months of opening an account
  • Aren't interested in earning rewards

The only true benefit of the Citi® Diamond Preferred® Card is its intro APR offer of 0% for 12 months on purchases and 21 months on Balance Transfers, a 17.49% to 28.24% (variable) APR follows, so paying off a purchase or existing balance should be your primary goal when opening this card. Be mindful that the Citi® Diamond Preferred® Card can potentially have a high APR, especially if you trigger the penalty APR by missing a payment or having a payment returned.

Editor's Take

If you don't need to pay off other credit card balances or don't plan to use the intro APR offer of 0% for 12 months on purchases, there are better card options – including cards that offer rewards. That said, the 21 months on Balance Transfers is one of the longest offers out there. If you set a monthly payment goal and stay disciplined, you can make a ton of progress and save money by paying down a large balance in that time period. Keep in mind there is a 17.49% to 28.24% (variable) APR after the intro APR period ends.

Dawn PapandreaContributor

The Citi® Diamond Preferred® Card does not have a welcome offer.

The card's intro APR of 0% for 12 months on purchases and 21 months on Balance Transfers make it a good option for cardholders who want to finance a large purchase or transfer balances before the introductory period ends. There is a 17.49% to 28.24% (variable) APR after the intro APR period ends.

The best way to take advantage of a 0% APR is to divide your total balance by the number of months you have to work with. That will become your equal monthly payment. For example, if you transfer a $5,000 balance and have 21 months, you can pay it off in full – and interest free – with a payment of around $238 per month.

Citi Rewards+® Card

Citi Rewards+® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.99% - 27.99% (Variable)
Intro Offer
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Rewards
5X ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Quicksilver Secured Cash Rewards Credit Card
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Quicksilver Secured Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Secured Cash Rewards Credit Card

This card allows you to earn cash back as you build or rebuild your credit, but you should avoid carrying a balance.

Credit Needed

Limited, Bad

Annual Fee

$0

Intro Offer

No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds

Rewards Rate

1.5% Cash Back on every purchase, every day

Pros

  • $0 annual fee.

  • Earn rewards with a secured card.

  • You can qualify with fair credit.

Cons

  • High APR.

  • No sign-up bonus.

  • No bonus categories.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

If you need to build or rebuild your credit, the Capital One Quicksilver Secured Cash Rewards Credit Card can help you develop a more robust credit profile with responsible use. You will be able to gain experience with credit as you earn 1.5% Cash Back on every purchase, every day and work toward a traditional unsecured card. You’ll also earn 5% cash back on hotels and rental cars booked through Capital One Travel.

Even if you have poor, fair or no credit, you may be able to qualify for the Capital One Quicksilver Secured Cash Rewards Credit Card with a minimum deposit of $200. The card has a $0 annual fee and no foreign transaction fees but a fairly high annual percentage rate of 29.99% (variable). (See Rates & Fees)

  • Issuer NameCapital One
  • Credit NeededLimited, Bad
  • Annual Fee$0
  • Regular APR29.99% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Want a chance to earn cash back rewards while you build or rebuild credit.
  • Prefer to make a small, refundable security deposit to open an account.
  • Would like free access to your credit score as you build your credit.

The Capital One Quicksilver Secured Cash Rewards Credit Card is designed for those looking to rebuild or establish credit. The card requires a minimum refundable deposit of $200, but keep in mind this deposit will set your credit limit. If you are looking for a credit limit higher than $200, you can make an initial deposit of up to $1,000 to $3,000, depending on your creditworthiness.

When looking to rebuild or establish credit, the most important factors are making payments on time and keeping your credit utilization rate low. Try to avoid using the full amount of credit available to you and be sure to make your payments consistently on time to most effectively boost your credit score. Once your credit is high enough, you’ll qualify for an unsecured card.

Editor's Take

The Capital One Quicksilver Secured Cash Rewards Credit Card is a great choice for those looking to rebuild their credit. Earning any type of rewards with a secured card is an appealing offer, although it shouldn’t be your main concern. You should be focused on rebuilding your credit to qualify for an unsecured card.

Capital One will regularly report your card status to the three major credit bureaus. Every six months, cardholders are automatically considered for a higher credit line with no additional deposit necessary. Once your credit has improved through responsible card use, you can upgrade to an unsecured Capital One Quicksilver Cash Rewards Credit Card and receive your security deposit back.

If you’re looking for a secured card that’ll earn you cash back in common spending categories, Discover it® Secured Credit Card cardholders earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. In addition to earning rewards with your secured card, Discover will match all the cash back you’ve earned at the end of your first year.

Austin ColeContributor

The Capital One Quicksilver Secured Cash Rewards Credit Card does not offer any sign-up bonuses.

Cardholders can earn 1.5% Cash Back on every purchase, every day. You’ll also earn 5% cash back on hotels and rental cars booked through Capital One Travel.

The upside of this rewards structure is that you can earn a steady rate of cash back without tracking rewards categories or altering your spending habits. The downside is that you will miss the chance for bigger bonus rewards in common spending categories.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

The Discover it® Secured Credit Card holders earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year. Just like the Capital One Quicksilver Secured Cash Rewards Credit Card, the Discover it® Secured Credit Card takes a security deposit that sets your credit line in lieu of an annual fee. After seven months, Discover will begin automatic monthly account reviews to see if you qualify to upgrade to an unsecured card and get your deposit back.

For rates and fees of the Capital One Quicksilver Secured Cash Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Blue Cash Preferred Card from American Express 2022 Review | US News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Blue Cash Preferred® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Preferred® Card from American Express

You'll earn hefty rewards on everyday purchases, but make sure the Blue Cash Preferred® Card from American Express is worth the annual fee.

Credit Needed

Good, Excellent

Annual Fee

$0 intro annual fee for the first year, then $95.

Intro Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Rewards Rate

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)

Pros

  • Earns 6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).

  • Good introductory spending bonus.

  • Provides a 0% on purchases for 12 months.

Cons

  • Earns a 1% base rewards rate.

  • Charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Blue Cash Preferred® Card from American Express can be valuable for grocery shopping and streaming subscriptions, but weigh your earning potential against the annual fee. There is a $0 intro annual fee for the first year, then $95.

Cardholders earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. You can also earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Cardholders can take advantage of the 0% on purchases for 12 months. After that, the APR ranges from 18.49% to 29.49% variable and depends on factors like your creditworthiness. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$0 intro annual fee for the first year, then $95.
  • Regular APR18.49% - 29.49% Variable
  • Penalty APR29.99% Variable
  • Purchases Intro APR0% on purchases for 12 months
  • Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Spend a lot at supermarkets in the U.S. or on qualified streaming services.
  • Want an intro APR of 0% on balance transfers for 12 months or 0% on purchases for 12 months.
  • Think you can earn over $95 per year in rewards to make up for the annual fee.

Earning 6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) is a major appeal of the Blue Cash Preferred® Card from American Express. If you spend about $115 or more per week at grocery stores, you’ll maximize this benefit. But even if you spend $100 or less at grocery stores each week, you can still get 6% cash back on gift cards purchased at the supermarket, such as for Amazon or restaurants. Essentially, you could apply the 6% cash back to other categories through gift cards.

You should also maximize your 6% cash back rewards on streaming services by using your card to pay for eligible streaming subscriptions, including Disney+, Netflix, Paramount+ and YouTube TV. The Blue Cash Preferred® Card from American Express offers a $7 monthly statement credit benefit for the Disney Bundle – if you spend at least $9.99 a month on the subscription.

While the Blue Cash Preferred® Card from American Express is a strong earner for U.S. supermarkets, streaming, gas and transit, it only earns 1% Cash Back on other purchases. You can supplement your cash back earning on this card with a flat rate rewards card such as the Citi Double Cash® Card, which earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Editor's Take

The Blue Cash Preferred® Card from American Express can give you hefty cash back rewards on grocery purchases, and has a $0 intro annual fee for the first year, then $95. It's a good choice for people who want to maximize rewards on everyday spending categories and can earn enough cash back to offset the $95 annual fee that applies after the first year. (See Rates & Fees)

Jessica MerrittContributor

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Make the most of your cash back rewards from the Blue Cash Preferred® Card from American Express by charging up to $6,000 annually at U.S. supermarkets, where you can earn 6% cash back. You can also earn 6% cash back on qualifying U.S. streaming subscriptions and 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

With a $0 annual fee, the Blue Cash Everyday® Card from American Express is a step down from the Blue Cash Preferred® Card from American Express. It earns 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. It also offers the same $7 Disney Bundle monthly credit as the Blue Cash Preferred® Card from American Express. (See Rates & Fees)

For rates and fees of the Blue Cash Preferred® Card from American Express, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Synchrony Premier World Mastercard | Credit Cards | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Synchrony Premier World Mastercard®

Terms Apply

More Info
Apply Now

On Synchrony's Website.

Terms Apply

Synchrony Premier World Mastercard®

Consumers with excellent credit can get 2% cash back* on every purchase with the Synchrony Premier World Mastercard®.

Credit Needed

Good

Annual Fee

$0

Intro Offer

2% cash back* on every purchase--no categories, tiers, or limits--no kidding.

Rewards Rate

2% cash back* on every purchase

Pros

  • You won't pay an annual fee.

  • You'll automatically earn 2% cash back* on every purchase applied as a statement credit.

  • Benefits include identity theft protection and Mastercard travel and lifestyle services.

Cons

  • You won't earn a sign-up bonus.

  • There's no 0% introductory APR on purchases or balance transfers.

  • Other cards may offer better benefits.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Synchrony Premier World Mastercard® offers cardholders unlimited 2% cash back* on every purchase with no annual fee. However, there's no 0% introductory annual percentage rate offer or substantial cardholder benefits.

  • Issuer NameSynchrony Bank
  • Credit NeededGood
  • Annual Fee$0
  • Regular APR18.74% - 34.49% Variable APR as of October 1, 2024
  • Penalty APR28.74% - 39.99% Variable APR as of October 1, 2024
  • Balance Transfer Fee$10 or 4% of each transfer, whichever is greater
  • Cash Advance Fee$10 or 5% of each cash advance, whichever is greater
  • Foreign Transaction Fee3%
Apply Now

On Synchrony's Website.

Yes, if you:

  • Have excellent credit
  • Want a card with no annual fee
  • Want to earn flat-rate cash back on all purchases

The Synchrony Premier World Mastercard®'s major appeal is its simplicity. This is a straightforward, no-annual-fee credit card that earns 2% cash back* on every purchase, so you don't need to plan to maximize bonus rewards or meet a spending requirement to earn a sign-up bonus. And with no annual fee, you don't need to worry about getting enough value from the card to offset an annual fee.

Editor's Take

If you're looking for a basic card with no annual fee and unlimited 2% cash back* on every purchase, the Synchrony Premier World Mastercard® can fit the bill. However, this card requires excellent credit. If you're at that level, you can likely qualify for a card with more bells and whistles, such as a 0% introductory APR on purchases or balance transfers, a sign-up bonus and more substantial cardholder benefits.

Jessica MerrittContributor

The Synchrony Premier World Mastercard® doesn't offer a sign-up bonus.

Earning a flat-rate 2% cash back* on every purchase, you don't need a strategy to maximize rewards with the Synchrony Premier World Mastercard®. Just spend as you normally would, and you'll earn 2% along the way. Rewards are automatically applied as a statement credit within two billing periods of your eligible purchase.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

If you like the idea of a flat-rate 2% cash back card, there are others that offer more benefits. For example, you can earn 2% cash back with the Citi Double Cash® Card – 1% when you buy plus 1% as you pay. There's no annual fee, and you can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. It also offers an introductory APR period of 0% for 18 months on Balance Transfers on balance transfers. After that, the APR will be 18.49% to 28.49% (variable), based on your creditworthiness. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank FlexPerks Gold American Express Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank FlexPerks® Gold American Express® Card

Terms Apply

More Info

The information for the U.S. Bank FlexPerks® Gold American Express® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

U.S. Bank FlexPerks® Gold American Express® Card

Get rewards for everyday purchases and travel benefits.

Annual Fee

$85

Rewards Rate

5X Points on prepaid hotels and car rentals booked directly in the FlexPerks Rewards Center

Pros

  • Earn five points per dollar on qualifying prepaid travel.

  • Get reimbursement for TSA PreCheck or Global Entry fees.

  • You can pay over time for eligible purchases with a fixed monthly fee, but no interest.

Cons

  • There's no welcome bonus.

  • You won't get a 0% introductory APR.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank FlexPerks® Gold American Express® Card allows you to choose your rewards and offers several valuable travel benefits. The rewards program offers five points per dollar on prepaid hotels and car rental bookings made directly through the FlexPerks Rewards Center; three points per dollar on dining, including takeout and restaurant delivery; two points per dollar for airline tickets, gas and EV charging stations; and one point per dollar on all other purchases. Points can be redeemed for cash back, gift cards, travel or merchandise.

The U.S. Bank FlexPerks® Gold American Express® Card comes with an $85 annual fee, but there's no foreign transaction fee. The annual percentage rate on the U.S. Bank FlexPerks® Gold American Express® Card is 19.74% to 29.74% variable APR, based on your creditworthiness. For purchases over $100, you can choose to pay over time with the ExtendPay Plan that comes with a monthly fee instead of interest.

  • Issuer NameU.S. Bank
  • Annual Fee$85
  • Regular APR19.74% to 29.74% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance FeeConvenience Check Cash Advance: Either 3% of the amount of each advance or $5 minimum, whichever is greater Cash Advance ATM/Cash Advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater Cash Equivalent Advance: Either 4% of the amount of each advance or $20 minimum, whichever is greater

Yes, if you:

  • Want to earn five points per dollar on qualifying prepaid travel
  • Can benefit from reimbursement for TSA PreCheck or Global Entry fees
  • Can use the ExtendPay Plan to pay for purchases over time with a fixed monthly fee

You can use the U.S. Bank FlexPerks® Gold American Express® Card to earn five points per dollar on prepaid hotels and car rental bookings made directly through the FlexPerks Rewards Center; three points per dollar on dining, including takeout and restaurant delivery; two points per dollar for airline tickets, gas and EV charging stations; and one point per dollar on all other purchases.

Plan to apply for TSA PreCheck or Global Entry, as you can get an automatic statement credit reimbursement on your application fee.

If you need to make a large purchase, the U.S. Bank FlexPerks® Gold American Express® Card doesn't offer a 0% APR introductory period. However, you can use the U.S. Bank ExtendPay Plan to divide eligible purchases into equal monthly payments, though you'll pay a fixed monthly fee.

Editor's Take

The U.S. Bank FlexPerks® Gold American Express® Card can be helpful if you need to book travel, as you'll get five points per dollar on qualifying prepaid travel, including hotels and rental cars booked directly in the FlexPerks Rewards Center and two points per dollar with airlines. You'll also get a statement credit for your TSA PreCheck or Global Entry application fee. These features can help offset the $85 annual fee. However, this card lacks a welcome bonus.

Jessica MerrittContributor

There's no welcome offer for the U.S. Bank FlexPerks® Gold American Express® Card.

While you won't earn a welcome offer with the U.S. Bank FlexPerks® Gold American Express® Card, you can earn five points per dollar on prepaid hotels and car rental bookings made directly through the FlexPerks Rewards Center; three points per dollar on dining, including takeout and restaurant delivery; two points per dollar for airline tickets, gas and EV charging stations; and one point per dollar on all other purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has a $95 annual fee that's slightly more than the $85 annual fee of the U.S. Bank FlexPerks® Gold American Express® Card. Like the U.S. Bank FlexPerks® Gold American Express® Card, the Capital One Venture Rewards Credit Card offers a statement credit for your TSA PreCheck or Global Entry application fee.

Also similarly, the Capital One Venture Rewards Credit Card earns 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. But unlike the U.S. Bank FlexPerks® Gold American Express® Card, you can earn a welcome bonus with the Capital One Venture Rewards Credit Card. You'll earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi Custom Cash® Card Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi Custom Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Custom Cash® Card

The Citi Custom Cash® Card might be a good fit for consumers with good to excellent credit who want a rewards card that doesn’t charge an annual fee.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards Rate

5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Pros

  • The category that earns 5% cash back adjusts automatically each billing cycle based on your spending – no need to sign up for rotating bonus categories.

  • The card charges a $0 annual fee.

  • The Citi Custom Cash® Card offers a 0% for 15 months on purchases and balance transfers completed within four months of account opening.

  • You’ll earn ThankYou® Points, which offer some redemption flexibility beyond cash back.

Cons

  • The 5% cash back in your top spending category is capped at $500 each billing cycle; you get just 1% thereafter.

  • While cardholders can earn 5% cash back in their top eligible spending category each billing cycle, the earning potential across multiple categories might be higher with other cards.

  • The card has a 3% foreign transaction fee.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

With the Citi Custom Cash® Card, you don’t have to sign up for rotating bonus categories to maximize the rewards you earn. Cardholders of the Citi Custom Cash® Card can earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. That category automatically adjusts each billing cycle based on how you spend. Cash back rewards are earned in the form of ThankYou® Points.

Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

All other purchases earn an unlimited 1% cash back. You can earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The card charges a $0 annual fee. It has an intro APR offer of 0% for 15 months on purchases on purchases as well as on balance transfers that are completed within four months of the account opening. After that, the APR is 18.49% to 28.49% (variable) based on your creditworthiness. (See Rates & Fees)

Citi Custom Cash® Card's benefits include fraud monitoring, free FICO® score access and $0 liability on unauthorized purchases. Cardholders can also add authorized users at no cost and earn points on the purchases they make.

  • Issuer NameCiti
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR18.49% - 28.49% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Purchases Intro APR0% for 15 months on Purchases
  • Balance Transfer FeeBalance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee3%
Apply Now

On Citi's Website.

Rates & Fees

Yes, if you:

  • Want to earn cash back rewards without signing up for rotating bonus categories each billing cycle.
  • Are looking for a rewards card with a $0 annual fee. (See Rates & Fees)
  • Want to earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

To get the most out of the 5% rewards rate, try to use the card in a category for which you’ll probably spend $500 in a given month. For example, if you expect to spend $500 on groceries, make the Citi Custom Cash® Card your go-to grocery card and then use another card with a higher-earning rate for other types of spending you do.

You can easily shift your strategy if your spending changes. For example, maybe you decide to use the Citi Custom Cash® Card to make a large purchase at a home improvement store. That could serve as your 5% category of the month, and you can use another card to earn other benefits.

Editor's Take

Many rewards cards offering bonus categories require some work on the cardholder’s part to maximize spending, and some even require you to activate your bonus categories. The Citi Custom Cash® Card is the answer for those who want to take a more hands-off approach to earning. Because your highest category of spending will automatically be rewarded, it’s on autopilot. However, if you tend to spend larger amounts in multiple categories each month, you might be better suited with a tiered card that offers unlimited 3% or 2% bonus rewards in a few categories rather than the capped 5% offer in one category.

Dawn PapandreaContributor

Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

You can earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. All other purchases earn an unlimited 1% cash back.

Cardholders don’t have to sign up for a rotating bonus category each billing cycle. How much you earn is adjusted automatically when you spend in any of the eligible categories: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

Cash back rewards are earned in the form of ThankYou® Points. Each billing cycle, you can earn five ThankYou® Points per dollar on up to $500 spent in your top eligible spending category that cycle. Cardholders earn one point per dollar on all other purchases. ThankYou® Points never expire as long as the account is open.

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Cash Back

Another cash back card offering a 5% rewards rate is the Discover it® Cash Back credit card. It requires a bit more hand-holding than the Citi Custom Cash® Card. Since the top categories change quarterly, you have to activate the bonus.

Like the Citi Custom Cash® Card, bonus earnings are also capped on the Discover it® Cash Back at up to $1,500 per quarter, which comes out to be the same as the monthly $500 cap.

Both cards offer a 0% intro APR for 15 months on purchases and balance transfers, then the Discover it® Cash Back has a 18.49% to 27.49% variable APR applied, based on credit worthiness. Where they differ most is in the welcome offer. With the Citi Custom Cash® Card, you can earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

With its Unlimited Cashback Match program, Discover will match all the cash back you’ve earned at the end of your first year. Depending on your spending level, Discover’s bonus may be worth more.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Chase Freedom Rise® Credit Card | Credit Cards | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Chase Freedom Rise®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Rise®

You can build your credit and earn cash back rewards with the Chase Freedom Rise® Credit Card.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rewards Rate

1.5% cash back on all purchases

Pros

  • $0 annual fee.

  • Open to applicants new to credit.

  • Earns a generous 1.5% cash back on all purchases.

Cons

  • No bonus rewards categories.

  • There's a 26.24% variable annual percentage rate if you carry a balance.

  • There's no sign-up bonus or introductory APR for purchases or balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Chase Freedom Rise® Credit Card

If you're new to credit, the Chase Freedom Rise® Credit Card can help you build a good credit history. If you've never held a credit card, you can increase your chances of being approved for the card by having a Chase checking or savings account with a balance of at least $250.

The Chase Freedom Rise® Credit Card offers a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time. That can help you pay your credit card bill on time each month. You'll also get access to credit score tracking, and Chase will evaluate your account for a credit line increase in as little as six months.

This card has a $0 annual fee and comes with valuable benefits, including purchase protection, extended warranty protection, and trip cancellation and interruption insurance. You'll also get 1.5% cash back on all purchases.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR26.24% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer Fee$5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee3% of the amount of each transaction in U.S. dollars.
Apply Now

On Chase's Website.

Chase Freedom Rise® Credit Card

Yes, if you:

  • Are new to credit and have a bank account with Chase.
  • Want to earn cash back rewards.
  • Don't want to pay an annual fee.

Chase Freedom Rise® Credit Card

The Chase Freedom Rise® Credit Card is designed for people who are new to credit and offers tools to help you improve your credit score. Sign up for automatic payments, and you'll get a $25 statement credit. More importantly, you'll be set to pay your bill on time each month, which can help you boost your credit score with a history of on-time payments.

You can also take advantage of the card's free credit score access, using Chase Credit Journey, to track your credit score and see how you're doing on the path to a better credit rating.

As you're building credit, you can earn 1.5% cash back on all purchases, which makes this a good card to use for everyday expenses – as long as you can pay them off each month. With no annual fee and a decent cash back rate, this is a card you can keep in your wallet long term, which is great for maintaining a long credit history.

Editor's Take

If you're new to credit and want to take advantage of credit-building features, the Chase Freedom Rise® Credit Card is a great choice. It has cash back rewards, a $0 annual fee and consumer protection benefits that can come in handy.

If you're not confident about getting approved for the card, you can increase your chances of approval by opening a Chase checking or savings account with an available balance of at least $25.

While the Chase Freedom Rise® Credit Card has excellent features, you won't catch a break on interest rates. You should plan to pay off your credit card bill in full each month and, therefore, only charge as much as you can afford to pay. Note there's no introductory APR on purchases or balance transfers, and the card has a relatively high 26.24% variable APR.

Jessica MerrittContributor

There's no sign-up bonus for this card, though you can get a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Chase Freedom Rise® Credit Card

There's no trick to maximizing rewards with the Chase Freedom Rise® Credit Card. You can use your card and earn 1.5% cash back on all purchases. Rewards can be redeemed as a statement credit or direct deposit, on Amazon purchases, as a gift card or by booking travel with Chase Ultimate Rewards®. Points don't expire as long as your account is open and in good standing.

Chase Freedom Rise® Credit Card

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One QuicksilverOne Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card is similar to the Chase Freedom Rise® Credit Card, offering unlimited 1.5% Cash Back on every purchase, every day, automatic credit line reviews and access to your credit score with credit monitoring tools. However, the Capital One QuicksilverOne Cash Rewards Credit Card doesn't offer a $25 incentive for setting up automatic payments like the Chase Freedom Rise® Credit Card does, and it has a $39 annual fee. The variable APR is also slightly higher at 29.99% (variable). (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD USAA Rewards Visa Signature Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

USAA® Rewards™ Visa Signature® Card

Terms Apply

The information for the USAA® Rewards™ Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

USAA® Rewards™ Visa Signature® Card

The USAA® Rewards™ Visa Signature® Card is a no-annual-fee card with rewards and travel benefits for military families.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

2X Points on gas and dining out

Pros

  • The USAA® Rewards™ Visa Signature® Card has a $0 annual fee and no foreign transaction fee.

  • Get a 0% introductory annual percentage rate for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening.

  • Benefits include a rental car collision damage waiver, concierge services, cell phone protection, extended warranty protection and purchase protection against theft or damage on most items bought with the card.

Cons

  • Only USAA® members can apply for the card. To be eligible to join, you must be a current or former military member, or the spouse or child of one.

  • The upper end of the APR range for the USAA® Rewards™ Visa Signature® Card is relatively high in comparison to similar cards. Those with poor credit scores could pay a high APR.

  • Balance transfer fee of 3% of the amount of each transfer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The USAA® Rewards™ Visa Signature® Card offers two points per dollar at gas stations and restaurants and one point per dollar on all other purchases. There’s no annual fee or foreign transaction fee, and you get a slew of travel benefits and consumer protections.

  • Issuer NameUSAA
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR15.15% to 31.15% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee3% of the amount of each transfer
  • Cash Advance Fee3% of the amount of each cash advance

Yes, if you:

  • Want a card with a $0 annual fee.
  • Appreciate travel benefits and consumer protections.
  • Spend a fair amount on gas and dining.

The bonus categories of gas and dining offer two points per dollar, so be sure to use the card for those purchases. With travel protections and no foreign transaction fee, the USAA® Rewards™ Visa Signature® Card can be good to use when traveling.

If you’re transferring a balance to the card in the first 90 days, you can take advantage of the 0% intro APR for 15 months, but be sure to factor in the 5% fee you’ll pay.

Editor's Take

The USAA® Rewards™ Visa Signature® Card can be a decent everyday card for USAA members. Still, there are higher-earning rewards cards with no annual fee, such as the Blue Cash Everyday® Card from American Express, if you want to maximize your spending. (See Rates & Fees)

The welcome offer from the USAA® Rewards™ Visa Signature® Card is minimal, but you get it the first time you use the card for a purchase with no minimum spending requirement. We like that there’s no annual fee and no foreign transaction fee. If you have strong credit, you can qualify for a low purchase APR.

Dawn PapandreaContributor

The USAA® Rewards™ Visa Signature® Card offers a 2,500-point sign-up bonus when you make your first purchase with the card.

With the USAA® Rewards™ Visa Signature® Card, you earn unlimited double points on dining and gas. Since the base rate is just one point per dollar, you can try to do your non-bonus spending with another card, such as a flat-rate cash back card that earns 2%.

Points never expire and may be redeemed through the USAA Rewards Center. Redemption options include travel rewards, merchandise and gift cards, statement credit or an electronic deposit to your eligible USAA account, or donations to a participating charity.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is another $0 annual fee card, but with higher earning potential. You’ll get 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. You’ll also get an intro APR offer of 0% on purchases for 15 months, 18.49% to 29.49% variable APR after that, but fewer travel benefits than the USAA® Rewards™ Visa Signature® Card offers. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Discover it Cash Back Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Discover it® Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Cash Back

This no-annual-fee card has a great cash back rate on rotating bonus categories and a reasonable APR, but it may not be the best for those looking for a more versatile card.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Rewards Rate

5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

Pros

  • Earns 5% cash back on spending categories that rotate every quarter.

  • Discover will match all the cash back you’ve earned at the end of your first year.

  • Offers a 0% intro APR for 15 months, then a 18.49% to 27.49% variable APR.

Cons

  • Has a low rewards rate on non-bonus purchases.

  • Caps its bonus rewards quarterly.

  • You must activate quarterly bonus rewards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Discover it® Cash Back features a high rewards rate on categories that rotate every quarter, which requires some work on your part. You’ll earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Instead of extending a traditional sign-up bonus to new cardholders, Discover will match all the cash back you’ve earned at the end of your first year.

This card doesn't offer some of the benefits that come standard with other credit cards, including extended warranty coverage and rental car insurance. However, as a cardholder, you have zero-liability fraud protection, free access to your FICO® credit score and alerts if your Social Security number shows up on a risky website. If someone steals your credit card or you lose it, you can freeze your account from your mobile app or online account, plus get free delivery for your replacement card.

  • Issuer NameDiscover
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR18.49% - 27.49% Variable APR
  • Purchases Intro APR0% Intro APR for 15 months
  • Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On Discover's Website.

Rates & Fees

Yes, if you:

  • Prefer a card that allows you to maximize rewards on certain purchases.
  • Have another card with a better rewards rate you can use for non-bonus spending.
  • Don’t want to pay an annual fee.

When you have a card with rotating bonus categories, it requires you to spend strategically and stay on top of managing your card if you want to earn the most rewards possible.

This rewards structure may benefit you more in some quarters than others. Savvy cardholders sometimes pair the card with another one that has a higher base rewards rate such as the Chase Freedom Unlimited® card, which earns unlimited 1.5% cash back. If you use Discover it® Cash Back for its bonus categories and the second card for everything else, you can maximize rewards on all of your spending.

You might also wish to take advantage of the fact Discover will match all the cash back you’ve earned at the end of your first year.

Editor's Take

The Discover it® Cash Back card with its top-earning categories can work well for a certain type of cardholder – someone who has a few cards in their wallet so they can strategically choose the one that offers the best rewards for a given purchase. You‘ll have to be disciplined enough to remember to activate the quarterly categories, and try not to revolve balances to avoid paying interest.

If you prefer a more hands-off approach to earning cash back, you may be better served with a flat-rate cash back card like the Chase Freedom Unlimited® card that provides the same earnings rate across all purchases.

Dawn PapandreaContributor

While Discover it® Cash Back doesn't have a typical sign-up bonus, Discover will match all the cash back you’ve earned at the end of your first year. This feature is unlimited, so whether you earn $300 or $1,000 throughout the year, Discover will match it.

Discover it® Cash Back cardholders can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Also, Discover will match all the cash back you’ve earned at the end of your first year.

The best way to maximize the rewards structure is to set reminders for yourself to activate the bonus categories each quarter and use the card for those purchases. Be mindful that the bonus rate is only offered on the first $1,500 you spend for that quarter.

Discover it® Cash Back cardholders can redeem their rewards in four ways: cash back via direct deposit or a statement credit, charitable donation, shopping with select merchants and gift cards.

Best in 0% Introductory APR and Balance Transfer Credit Cards

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.74% - 28.74% Variable APR on purchases and balance transfers
Intro Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards
3% Cash back in the category of your choice
Read More

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

The Chase Freedom Unlimited® has a $0 annual fee and offers 5% on travel booked through Chase Travel, 3% on purchases made at drugstores and restaurants, including takeout and eligible delivery services, and earn 1.5% cash back on all other purchases. The Chase Freedom Unlimited® is a great option for earning rewards in frequent spending categories without needing to opt into the bonus categories, like the Discover it® Cash Back requires you to do. Plus, Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Discover it Miles Travel Credit Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Discover it® Miles
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Miles

Discover it® Miles offers flexible travel rewards but lacks the benefits that come with some other travel rewards cards.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Discover will match all the Miles you’ve earned at the end of your first year.

Rewards Rate

1.5X Miles on every dollar of every purchase

Pros

  • Discover will match all the Miles you’ve earned at the end of your first year.

  • Cardholders automatically earn unlimited 1.5x Miles on every dollar of every purchase.

  • Offers flexible redemption options to help you avoid blackout dates.

Cons

  • Lacks a traditional sign-up bonus.

  • Gives no opportunities to earn bonus rewards.

  • Offers no airline or hotel partners to transfer rewards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Discover it® Miles is a flexible travel rewards credit card with no annual fee. Cardholders automatically earn unlimited 1.5x Miles on every dollar of every purchase, which you can redeem as cash, a statement credit for travel purchases, at checkout with Amazon or as a PayPal payment.

Instead of a traditional sign-up bonus, Discover will match all the Miles you’ve earned at the end of your first year. Discover it® Miles features include Online Privacy Protection at no cost offered by Discover Bank, and free access to your FICO® credit score.

  • Issuer NameDiscover
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR18.49% - 27.49% Variable APR
  • Purchases Intro APR0% Intro APR for 15 months
  • Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On Discover's Website.

Rates & Fees

Yes, if you:

  • Want to earn flexible flat-rate travel rewards with no annual fee.
  • Spend enough to get a lot of value out of the first-year miles matching bonus.
  • Don’t need extensive travel benefits.

The Discover it® Miles card offers a lot of value in the first year, since Discover will match all the Miles you’ve earned at the end of your first year. It’s a good idea to maximize this bonus if you need to make big purchases in the first year.

New cardholders can take advantage of the 0% intro APR for 15 months on purchases. You’ll also get 0% intro APR for 15 months on balance transfers from the date of your first transfer. After that, the 18.49% to 27.49% variable APR applies, so you should plan to pay off your balance before the introductory rate expires.

Editor's Take

This card is good if you want flexible travel rewards and don’t want to pay an annual fee. With a $0 annual fee and a flat-rate 1.5x Miles per dollar travel rewards, you can get a lot of value out of the Discover it® Miles card, especially if you can capitalize on the fact Discover will match all the Miles you’ve earned at the end of your first year.

But the Discover it® Miles card’s 1.5x Miles per dollar isn’t the greatest rewards rate you can earn with a travel rewards card. You could get more value from a card that charges an annual fee but offers more in rewards and travel benefits. For example, the Capital One Venture Rewards Credit Card has a $95 annual fee but earns a flat-rate 2 Miles per dollar on every purchase, every day, with the opportunity to earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. (See Rates & Fees)

Jessica MerrittContributor

You won’t get a traditional sign-up bonus with the Discover it® Miles card, but Discover will match all the Miles you’ve earned at the end of your first year.

With a flat-rate 1.5x Miles per dollar on all purchases, there are no bonus categories to keep track of to maximize earnings – you can just use your card to earn miles. You'll get a boost in earning rewards since Discover will match all the Miles you’ve earned at the end of your first year.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has a $95 annual fee but earns a flat-rate 2 Miles per dollar on every purchase, every day. The card comes with a slew of cardholder benefits, including up to a $120 credit for TSA PreCheck or Global Entry fees, and extended warranty coverage for purchases with the card. (See Rates & Fees)

For Capital One products listed on this page, some of the benefits may be provided by Visa or Mastercard and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Allegiant World Mastercard Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Adriana Ocañas
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Adriana Ocañas
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America Allways Rewards Visa® Credit Card

Terms Apply

The information for the Bank of America Allways Rewards Visa® Credit Card Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America Allways Rewards Visa® Credit Card

The Bank of America Allways Rewards Visa® Credit Card has savings and benefits for frequent flyers of Allegiant Air, but it has an annual fee and lacks flexible redemption options.

Credit Needed

Good/Excellent

Annual Fee

$59

Intro Offer

Earn 25,000 Bonus Points – equal to $250 off a future Allegiant trip, after you make $1,000 or more in purchases within the first 90 days of account opening

Rewards Rate

3X Points per dollar on Allegiant purchases (air, hotel, car rental and attractions)

Pros

  • Score buy one, get one free airfare when you buy a vacation package from Allegiant with four or more hotel nights or seven or more car rental days on the same itinerary.

  • Bonus rewards are solid for foodies and frequent flyers, with three points for every dollar spent on Allegiant purchases and two points on eligible dining purchases.

  • Cardholders get priority boarding plus one free beverage on every Allegiant flight – just show your Bank of America Allways Rewards Visa® Credit Card.

Cons

  • Penalty interest rate of up to up to 29.99%, based on your creditworthiness will remain indefinitely if you make a single late payment.

  • There is a $59 annual fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America Allways Rewards Visa® Credit Card is a cobranded airline credit card designed for frequent flyers of Allegiant Air. It earns 3 points per $1 on Allegiant purchases (air, hotel, car rental and attractions), 2 points per $1 on qualifying dining purchases and 1 point per $1 on all other purchases. There is a $59 annual fee, and the standard APR for purchases is 21.24% to 29.24% variable APR.

  • Issuer NameBank of America
  • Credit NeededGood/Excellent
  • Annual Fee$59
  • Regular APR21.24% - 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Balance Transfer Fee4% of the amount of each transaction
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction

Yes, if you:

  • Are a loyal Allegiant customer.
  • Fly frequently. 
  • Like to book a whole vacation bundle at once.

Getting free airfare can help offset the cost of travel. Plus, if you fly frequently and dine out often, this card can help you get additional savings on Allegiant Air's low-cost airfare. You can also get a free flight through its buy one, get one offer if you book a qualifying travel package through Allegiant. Take advantage of additional perks like priority boarding and one free drink per flight to get even more cardholder value.

Editor's Take

As with any airline card with an annual fee, you should consider how often you fly with the airline and if you'll get more value from the card than a general travel card. Considering Allegiant has limited daily flights to select locations, make sure it can accommodate the type of traveling you do. If not, a more flexible travel rewards card may suit you.

Dawn PapandreaContributor

Earn 25,000 Bonus Points – equal to $250 off a future Allegiant trip, after you make $1,000 or more in purchases within the first 90 days of account opening.

With the Bank of America Allways Rewards Visa® Credit Card, you will earn 3 points per $1 on Allegiant purchases (air, hotel, car rental and attractions), 2 points per $1 on qualifying dining purchases and 1 point per $1 on all other purchases. Plus, new cardholders can earn 25,000 Bonus Points – equal to $250 off a future Allegiant trip after you make $1,000 or more in purchases within the first 90 days of account opening.

Best in Travel Credit Cards

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$95
Regular APR
19.99% - 29.49% (Variable)
Intro Offer
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Rewards
2X Miles per dollar on every purchase, every day.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

United℠ Explorer Card

United℠ Explorer Card

Terms Apply

Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
21.24% - 28.24% Variable
Intro Offer
Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Rewards
2x Miles on United® purchases, dining, and hotel stays
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card charges an annual fee of $95 and earns unlimited 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. It also has a higher welcome offer than the Bank of America Allways Rewards Visa® Credit Card, but you'll have a higher spending minimum to get it: 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. The main draw of the Capital One Venture Rewards Credit Card is that you have more redemption flexibility, can use miles to book through Capital One Travel and get reimbursed for past travel purchases or transfer miles to Capital One travel partners. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Aeroplan Credit Card
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Aeroplan® Credit Card

Terms Apply

More Info

The information for the Aeroplan® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Aeroplan® Credit Card

Get Air Canada rewards and status with the Aeroplan® Credit Card.

Credit Needed

Good, Excellent

Annual Fee

$95

Intro Offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.

Rewards Rate

3x points for each dollar spent on grocery stores, dining at restaurants, and Air Canada directly

Pros

  • Earns 3x points per dollar with Air Canada and at grocery stores and restaurants.

  • Get up to 1,500 bonus points per month with 500 bonus points for every $2,000 spent.

  • You can earn a 75,000-point sign-up bonus after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.

  • Your first checked bag is free, and new cardholders get Aeroplan 25K status for the remainder of the calendar year plus the following calendar year.

Cons

  • There's a $95 annual fee.

  • Air Canada purchases must be made directly with Air Canada to earn three points per dollar.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Aeroplan® Credit Card from Chase is an airline rewards card co-branded with Air Canada. It offers bonus points for spending at grocery stores and restaurants and on travel booked directly with Air Canada. New cardholders can earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months. The card also rewards regular spending – earn 500 bonus points (up to 1,500) for every $2,000 you spend in a calendar month.

The Aeroplan® Credit Card charges a $95 annual fee. The purchase annual percentage rate is 20.99% to 27.99% variable.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$95
  • Regular APR20.99% - 27.99% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

Yes, if you:

  • Frequently fly with Air Canada.
  • Can earn the 75,000-point sign-up bonus after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.
  • Can use cardholder benefits such as free checked bags.

The Aeroplan® Credit Card has the most to offer when you use it for Air Canada flights. You'll earn 3x points per dollar when you book directly with Air Canada. Additionally, you and up to eight traveling companions on the same reservation will get free first checked bags. With Aeroplan 25K status for the remainder of the calendar year and the following calendar year, you'll get benefits such as priority airport services and upgrades to premium cabins on Air Canada-operated flights.

Editor's Take

Frequent flyers of Air Canada can get a lot of value out of the Aeroplan® Credit Card. With elite status and free checked bags, you'll save money on every Air Canada flight while earning elevated rewards – 3x points per dollar on Air Canada direct purchases. That can make the $95 annual fee worth it.

However, if you don't fly with Air Canada often, you'd be better off with a flexible travel rewards card such as the Chase Sapphire Preferred® Card.

Jessica MerrittContributor

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.

You'll earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months. There's also an ongoing bonus that rewards you 500 bonus points for every $2,000 you spend – up to 1,500 bonus points per month.

This card earns 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Air Canada directly. 1x points for each dollar spent on all other purchases. Rewards can be redeemed for Air Canada flights or a statement credit to cover travel purchases, including hotels, car rentals, ride-hailing services and more.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

Air Canada loyalists can get benefits and rewards from the Aeroplan® Credit Card, but if you're not particularly loyal to Air Canada, a flexible travel rewards card may suit you better. The Chase Sapphire Preferred® Card earns five points per dollar on Chase Travel purchases and two points per dollar on all other travel purchases – which can include Air Canada flights. It also earns three points per dollar on dining, online grocery purchases and select streaming services, and 1x on all other purchases. Your rewards can be redeemed for cash, gift cards or travel, or you can transfer points to Chase travel partners including Air Canada.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD MyLowe’s Rewards Credit Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

MyLowe’s Rewards Credit Card

Terms Apply

The information for the Lowe’s Advantage Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

MyLowe’s Rewards Credit Card

Annual Fee

$0

Intro Offer

Limit one 20% off coupon per new credit account; the offer is not transferable. The maximum discount is $100 with this offer

Rewards Rate

5% Discount on Lowe's purchases

Pros

  • The card offers a 20% discount on your first Lowe's purchase, up to $100 off.

  • Choose between a 5% discount on purchases, special financing of 0% interest on purchases of $299 or more if paid off in 12 months or financing on purchases of $2,000 or more with 84 fixed monthly payments at 9.99% APR.

  • The MyLowe’s Rewards Credit Card charges no annual fee.

Cons

  • The MyLowe’s Rewards Credit Card is a closed-loop credit card, which means that it can only be used to make purchases at Lowe’s retail stores and Lowes.com.

  • If you choose to take advantage of the 0% special financing offer with the MyLowe’s Rewards Credit Card, your balance is subject to deferred interest, so you’ll need to pay it off before the introductory period ends to avoid being charged back interest on the whole purchase price starting from the purchase date.

  • The purchase APR of 31.99% is high.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The MyLowe’s Rewards Credit Card is a closed-loop, no-annual-fee credit card that can only be used for purchases at Lowes.com and Lowe’s retail stores. You can choose between receiving a 5% discount on purchases, special financing of 0% interest on purchases of $299 or more if paid off in 12 months or financing on purchases of $2,000 or more with 84 fixed monthly payments at 9.99% APR. All financing options are subject to deferred interest. After the promotional periods end, a standard APR of 31.99% applies. The card offers a 20% discount on your first Lowe's purchase, up to $100 off.

  • Issuer NameSynchrony Bank
  • Annual Fee$0
  • Regular APR31.99%
  • Penalty APRNone
  • Purchases Intro APR0% APR for six months for purchases over $299

Yes, if you:

  • Don't want to pay an annual fee. 
  • Are planning home improvement projects. 
  • Can pay off purchases before the special financing period ends.

If you’re a new homeowner or doing a lot of home improvement work, the MyLowe’s Rewards Credit Card can be an easy way to save 5% on all of your purchases. If you’re going to use the special financing program instead, create a well-thought-out payment plan so you don’t get hit with costly deferred interest. For example, if you have six months of 0% APR, divide the total by six and make equal monthly payments.

Editor's Take

Co-branded retail cards don’t always offer the best value for consumers, and this MyLowe’s Rewards Credit Card is a perfect example of that. Yes, you can get 5% off your purchases, which could add up to significant savings if you’re buying large appliances, for example. But the savings don't add up if you fall into the special financing trap and pay deferred interest, especially because the standard purchase APR is higher than other cards. Overall, you may get better value from a general rewards credit card with home improvement stores as one of its bonus categories.

Dawn PapandreaContributor

Limit one 20% off coupon per new credit account; the offer is not transferable. The maximum discount is $100 with this offer.

All MyLowe’s Rewards program participants earn points for every dollar spent – accumulate 1,000 points and earn $5 in MyLowe’s Money to redeem at Lowe’s. Cardholders earn 1.25 points per dollar and also get free standard shipping on online purchases. You get to choose which cardholder benefit you want when you open the card. You can choose the everyday discount of 5% off purchases at Lowes or Lowes.com. Special financing is another option, where you can pay 0% APR for six months for purchases over $299, like flooring or appliances. Deferred interest may apply. The card also offers the option of 84 fixed monthly payments for purchases over $2,000 with a 9.99% APR.

The information for the Bank of America® Customized Cash Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Balance Transfer Credit Cards
Bank of America® Customized Cash Rewards credit card
Rates and Fees

Terms Apply

More Info
Read More

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card offers flexibility by enabling cardholders to choose 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings, 2% cash back at grocery stores and wholesale clubs and unlimited 1% cash back on all other purchases. Cardholders get a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD HSBC Premier Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Emily Roth
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Emily Roth
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

HSBC Premier credit card

Terms Apply

The information for the HSBC Premier World Mastercard credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

HSBC Premier credit card

Only HSBC Premier checking customers are eligible for this card, which has a simple rewards program and a competitive sign-up bonus.

Credit Needed

Good,Excellent

Annual Fee

$95

Rewards Rate

2X Points on new travel purchases

Pros

  • There is no foreign transaction fee.

  • Get an $85 credit for your TSA PreCheck application fee

  • Cardholders have various point redemption options, including travel, cash rewards, gift cards and merchandise.

Cons

  • You must have an existing U.S. HSBC Premier checking account to apply for this card.

  • The card charges a $95 annual fee.

  • There is no 0% introductory APR with the HSBC Premier credit card.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The HSBC Premier credit card is designed for HSBC Premier checking customers who want to earn rewards. Premier customers are those who maintain $75,000 in combined U.S. personal deposit and investment balances or who maintain another eligible banking arrangement with HSBC. The card earns three points per dollar on gas and groceries, two points per dollar on travel and one point per dollar on all other purchases. If you spend $4,000 or more in the first three months of opening your card, you’ll earn 50,000 welcome bonus points. Benefits include an $85 credit toward TSA PreCheck, expedited screening fees, cellphone protection and savings on Lyft and Instacart+. There is a $95 annual fee.

  • Issuer NameHSBC
  • Credit NeededGood,Excellent
  • Annual Fee$95
  • Regular APR20.99% to 24.99% Variable APR
  • Penalty APR34.74% Variable
  • Balance Transfer Fee$10 or 4%, whichever is greater, will apply on each balance transfer.
  • Cash Advance FeeEither $10 or 5%, whichever is greater, will apply on each cash advance transaction.

Yes, if you:

  • Are an HSBC Premier customer
  • Want a rewards card for day-to-day purchases, like gas and groceries
  • Spend enough to offset the annual fee

HSBC Premier customers who opt for the HSBC Premier credit card can get some upfront value by earning the welcome offer. From there, if you take advantage of the card’s perks, including cellphone protection and discounts on Lyft, you can maximize it even more.

Editor's Take

HSBC Premier customers who want a rewards credit card aimed at everyday spending might find the HSBC Premier credit card worth adding to their wallet. But the card comes with a $95 annual fee and doesn’t offer a 0% introductory APR. On a positive note, the bevy of statement credits it offers may make up for that. For example, you can receive a $60 annual TV subscription service credit, a $3 monthly Peacock subscription credit for new members, a $140 Instacart+ annual credit and more.

Dawn PapandreaContributor

If you spend $4,000 or more in the first three months of opening your card with the HSBC Premier credit card, you’ll earn 50,000 welcome bonus points.

The HSBC Premier credit card earns three points per dollar on gas and groceries, two points per dollar on travel and one point per dollar on all other purchases. You should plan to spend $4,000 or more in the first three months of opening your card if you want to earn the 50,000-point sign-up bonus.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America BankAmericard Secured Credit Card Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

BankAmericard® Secured Credit Card

Terms Apply

More Info

The information for the BankAmericard® Secured Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

BankAmericard® Secured Credit Card

The BankAmericard® Secured Credit Card is a good option for building credit history but lacks features other secured credit cards offer such as cash back rewards or a lower APR.

Credit Needed

Limited/No Credit History

Annual Fee

$0

Pros

  • You can increase your credit limit with a larger security deposit.

  • Your security deposit may be returned based on your overall credit history.

  • There’s no annual fee.

Cons

  • You can’t earn rewards or a sign-up bonus.

  • There’s no introductory APR on purchases or balance transfers.

  • You’ll pay a high APR if you carry a balance.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The BankAmericard® Secured Credit Card is intended to help cardholders establish or rebuild their credit. The card charges a $0 annual fee and requires a minimum security deposit of $200, with a maximum of $5,000. The APR for purchases and balance transfers is 26.24% variable APR variable.

  • Issuer NameBank of America
  • Credit NeededLimited/No Credit History
  • Annual Fee$0
  • Regular APR26.24% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • Cash Advance Fee4% of the amount of each transaction.
  • Foreign Transaction Fee3% of the U.S. dollar amount of each transaction made in a foreign currency.

Yes, if you:

  • Need to establish a credit history or strengthen your credit score.
  • Don’t need a 0% introductory APR or rewards.
  • Want a credit line that matches your security deposit.

The BankAmericard® Secured Credit Card can help you establish or improve your credit with access to your FICO® score for free each month. You can also link the card to a Bank of America deposit account for optional overdraft protection services.

If you're looking to build your credit, the best way to use the BankAmericard® Secured Credit Card is to use a small amount of your available credit each month and to always pay your balance off before the grace period ends. This will prevent you from incurring interest charges and help you build a positive credit history.

Editor's Take

The BankAmericard® Secured Credit Card is a good option for those who are looking to build their credit with no annual fee and a credit line that matches their security deposit. If meeting the $200 minimum security deposit proves difficult for you, the Capital One Platinum Secured Credit Card has a minimum deposit of just $49. The Discover it® Secured Credit Card is an option if you want to earn rewards with your secured credit card. With the Discover it® Secured Credit Card, you’ll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Austin ColeContributor

This card does not offer a sign-up bonus.

This card doesn’t earn rewards.

Capital One Platinum Credit Card

Capital One Platinum Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees. See if you're approved in seconds
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

Discover it® Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Rewards
1.5% Cash Back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

The Discover it® Secured Credit Card is a great alternative option to the BankAmericard® Secured Credit Card as they both require a $200 minimum security deposit, but the Discover it® Secured Credit Card earns rewards. The Discover it® Secured Credit Card allows you to earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

Also, Discover will match all the cash back you’ve earned at the end of your first year. With a similar APR on purchases, though, it is still of utmost importance to pay off your balance each month to avoid incurring interest charges

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Royal Caribbean Visa Signature Credit Card Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America Royal Caribbean® Visa Signature® Credit Card

Terms Apply

The information for the Bank of America Royal Caribbean® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America Royal Caribbean® Visa Signature® Credit Card

This card might benefit those who love to cruise with Royal Caribbean, but other rewards credit cards earn more in additional spending categories and might be a better option.

Credit Needed

Good/Excellent

Annual Fee

$0

Intro Offer

$50 discount on Royal Caribbean’s Air2Sea program after you spend $3,500 within the first 90 days of opening an account

Rewards Rate

2X Points per dollar spent on qualifying purchases with Royal Caribbean and sister brands, Celebrity Cruises and Azamara.

Pros

  • There’s no annual fee or foreign transaction fee.

  • You’ll earn 25,000 bonus points after spending $1,000 or more on purchases within 90 days of opening your account.

  • Cardholders get a $50 discount on Royal Caribbean’s Air2Sea program after you spend $3,500 within the first 90 days of opening an account.

Cons

  • Unlike many other co-branded travel cards, the Bank of America Royal Caribbean® Visa Signature® Credit Card does not offer brand-specific benefits such as priority boarding.

  • Points expire five years from the month they are earned.

  • Higher tier rewards are limited to Royal Caribbean and Celebrity Cruises purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America Royal Caribbean® Visa Signature® Credit Card is a co-branded travel rewards card that earns MyCruise Points with the Royal Caribbean International cruise line. You can earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises® and Silversea® and 1 MyCruise point for every $1 spent on all other purchases. Points redemption options include cruise vacations, upgrades and onboard credits to use at shops, restaurants, the spa or for excursions.

This card offers a 25,000-point sign-up bonus when you spend at least $1,000 or more on purchases within 90 days of opening your account. You can also get a $50 discount on Royal Caribbean’s Air2Sea program after you spend $3,500 within the first 90 days of opening an account. There’s no annual fee.

  • Issuer NameBank of America
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR19.24% - 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Balance Transfer Fee4% of the amount of each transaction
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction

Yes, if you:

  • Cruise with Royal Caribbean or Celebrity Cruises.
  • Want to avoid an annual fee and foreign transaction fees.
  • Want to earn a sign-up bonus without a high spending requirement.

With no annual fee, the Bank of America Royal Caribbean® Visa Signature® Credit Card allows you to earn Royal Caribbean rewards without worrying about offsetting an annual fee. Earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises® and Silversea®. You’ll also earn the card’s 25,000-point sign-up bonus when spending $1,000 or more on purchases within 90 days of opening your account. The bonus is equivalent to a $250 onboard credit.

Editor's Take

The Bank of America Royal Caribbean® Visa Signature® Credit Card can be a good choice if you frequently cruise with Royal Caribbean or Celebrity Cruises. You’ll earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises® and Silversea® and 1 MyCruise point for every $1 spent on all other purchases.

While two points per dollar is an elevated earning rate, other cards may earn more than that on travel. For example, the no-annual-fee Chase Freedom Unlimited® earns 5% back on travel purchased through Chase Travel℠ – that’s all travel, not just two specific cruise lines.

The Bank of America Royal Caribbean® Visa Signature® Credit Card lacks cruise line perks, which would be nice for a co-branded credit card. You won’t get any Royal Caribbean or Celebrity Cruises benefits like priority boarding, other than the ability to redeem points for cruise travel and related expenses.

Jessica MerrittContributor

New cardholders earn 25,000 bonus points when you spend $1,000 or more on purchases within 90 days of opening your account.

The Bank of America Royal Caribbean® Visa Signature® Credit Card earns 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises® and Silversea®, so it makes sense to use this card when you book a cruise with those cruise lines. The 25,000-point sign-up bonus for spending $1,000 or more on purchases within 90 days of opening your account can be easily earned if you plan to book a vacation when you open the card.

Though rewards are easy to earn with this card, you have limited redemption options because you can only use your points with Royal Caribbean. Furthermore, your points expire after five years.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Bank of America Norwegian Cruise Line® World Mastercard®

Bank of America Norwegian Cruise Line® World Mastercard®

Terms Apply

Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR
Intro Offer
Earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise
Rewards
3X Points per dollar spent on Norwegian purchases
Read More

The information for the Bank of America Norwegian Cruise Line® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America Celebrity Cruises® Visa Signature® Credit Card

Bank of America Celebrity Cruises® Visa Signature® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR
Rewards
2X Points per dollar spent on qualifying purchases with Celebrity Cruises and sister brands, Royal Caribbean and Azamara
Read More

The information for the Bank of America Celebrity Cruises® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

The information for the Bank of America Norwegian Cruise Line® World Mastercard® and the Bank of America Celebrity Cruises® Visa Signature® Credit Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

If you want a no-annual-fee travel card, Chase Freedom Unlimited® can offer greater flexibility in rewards earning and redemption than the Bank of America Royal Caribbean® Visa Signature® Credit Card. It earns 5% back on travel purchased through Chase Travel℠ – including cruise bookings – along with 3% at restaurants and drugstores, and 1.5% cash back on all other purchases. New cardholders can also earn an extra 1.5% cash back on all other purchases up to $20,000 in the first year.

Chase Freedom Unlimited® rewards never expire as long as your account remains open. You also have extensive redemption options, including cash back, shopping on Amazon, gift cards and travel with Chase Travel℠.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD My Best Buy Visa Card | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

My Best Buy Visa® Card

Terms Apply

More Info

The information for the My Best Buy Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

My Best Buy Visa® Card

Frequent Best Buy shoppers may find the most value with this card, as it charges a $0 annual fee and can earn points on a variety of everyday purchases — but rewards are only valid at Best Buy and BestBuy.comreward certificates.

Annual Fee

$0

Rewards Rate

5% Back in rewards at Best Buy

Pros

  • Unlimited points on eligible purchases at Best Buy and anywhere Visa is accepted.

  • The card doesn't charge an annual fee.

Cons

  • Rewards are issued as certificates that can only be used at Best Buy or bestbuy.com.

  • Reward certificates expire.

  • The welcome offer is only higher rewards on the first purchase.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Cardholders can use the My Best Buy Visa® Card to earn reward certificates for redemption at Best Buy or BestBuy.com, or take advantage of flexible financing on purchases of $299 or more. The card earns points on eligible purchases at Best Buy, gas stations, restaurants, grocery stores and other locations where Visa is accepted.

  • Issuer NameCiti
  • Annual Fee$0
  • Regular APR30.99% Variable
  • Penalty APRNone

Yes, if you:

  • Are a frequent Best Buy shopper.
  • Plan to use the My Best Buy financing options or want to earn and redeem reward certificates.
  • Want a card with no annual fee.

You have to be a loyal and frequent Best Buy shopper to get good value from this card, so if that’s you, then go for it. You have the choice when you make a purchase if you want to earn rewards or take advantage of a special financing plan to pay it off slowly. Both of these options come with warnings.

On the rewards side, Best Buy will automatically send you a $5 rewards certificate when you accumulate 250 points, but you also have the option to bank your points until you reach a higher threshold. Once a certificate is issued, it has an expiration date, so if you think you may have the tendency to let a few $5 rewards go to waste, increasing your reward denomination might be a better idea for you.

As for financing offers, always tread carefully with deferred interest offers. If you don’t pay the full balance by the end of the interest-free period, you’ll be hit with interest charges on the full amount from the date of purchase.

Editor's Take

Store cards aren’t always the best deal for cardholders because of their high APR and tricky policies. With a 30.99% variable APR and limited-redemption rewards, the Best Buy Visa card may fall into that category. The exception to that rule is if you’re a Best Buy super shopper and can use the card to offset the cost of your spending there or take advantage of some extra time to pay down a large purchase.

The key is you must be disciplined enough not to carry a balance and make sure you don’t forget to use your rewards in time. Otherwise, you might be better off with a more general rewards card or one that has a long 0% APR introductory offer on purchases if you’re looking to save on interest.

Dawn PapandreaContributor

My Best Buy Visa® Card holders can earn a total of 10% back on your first day of purchases with the card, double the usual rate. You have 14 days from the card opening to make that purchase.

This card earns 5% back on eligible Best Buy purchases; 3% back on eligible gas purchases; 2% back on eligible grocery, dining and takeout purchases; and 1% back on other eligible purchases. Cardholders also may be able to take advantage of limited-time bonus rewards categories.

Cardholders earn rewards as points, and each point is worth 2 cents. Purchases in the 5% back category earn 2.5 points per dollar spent, 3% back equals 1.5 points per dollar spent, 2% back equals one point per dollar spent and 1% back equals one point per $2 spent.

Reward certificates can be used for discounts on qualifying purchases in Best Buy stores or at BestBuy.com. You receive $5 for every 250 points you earn, and it’s automatically emailed to you. You can also choose to bank points until you’re ready to request a certificate, or you can set your auto-issue preference to a level higher than 250 points.

Reward certificates expire; you should use them prior to the printed expiration date. Certificates also don’t have any cash value, cannot be transferred to someone else and cannot be converted back into points. They can, however, be combined with other offers.

Cardholders can print their certificates, redeem them through the Best Buy mobile app or ask an associate to look up their reward certificates in-store.

Amazon Visa Credit Card

Amazon Visa Credit Card

Terms Apply

Annual Fee
$0
Regular APR
18.99% - 26.99% Variable APR
Rewards
3% Cash back at Amazon.com and Whole Foods Market
Read More

The information for the Amazon Visa Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Target REDcard™

Target REDcard™

Terms Apply

Annual Fee
$0
Regular APR
27.40% Variable
Rewards
5% Discount on Target purchases
Read More

The information for the Target REDcard™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Macy's American Express® Card

Macy's American Express® Card

Terms Apply

Annual Fee
$0
Regular APR
27.49% Variable
Rewards
3% Cash back at restaurants
Read More

The information for the Macy's American Express® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Amazon Visa Credit Card

Terms Apply

More Info
Read More

The information for the Amazon Rewards Visa Signature Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Amazon Visa Credit Card

The Amazon Visa Credit Card is another retail-branded card option if you are an Amazon.com shopper. It earns 3% back on purchases from Amazon, Amazon Fresh, Whole Foods Market and Chase Travel purchases; 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and 1% back on all other purchases. These points can be redeemed for eligible purchases at Amazon.com, but also as cash, travel with Chase Ultimate Rewards, gift cards and more, providing more flexibility than the My Best Buy Visa® Card.

The Amazon Rewards Visa Signature Card offers a $60 Amazon.com gift card upon approval. The gift card value will increase to $100 if you have an eligible Amazon Prime membership upon approval for the card. The Amazon Visa Credit Card offers benefits, including baggage delay insurance, extended warranty protection, lost luggage reimbursement, purchase protection, travel accident insurance, and travel and emergency assistance; the My Best Buy Visa® Card doesn’t offer any benefits.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD American Express Gold Card | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

American Express® Gold Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

American Express® Gold Card

The American Express® Gold Card might be a good choice for consumers with good to excellent credit who want to earn points for spending on dining, groceries and air travel.

Credit Needed

Good, Excellent

Annual Fee

$325

Intro Offer

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

Pros

  • Cardholders can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

  • Add the card to your Uber account and get up to $10 per month (up to $120 annually) to use toward Uber Eats orders or Uber rides.

  • The card comes with baggage insurance, car rental loss and damage insurance, and no foreign transaction fees, making it a good choice when you’re traveling stateside or abroad.

Cons

  • The card may not be worth the $325 annual fee if you can’t maximize rewards and benefits.

  • Unlike many other rewards cards, the American Express® Gold Card does not offer a 0% introductory rate.

  • Key benefits come with fine print, like the dining credit and Uber Cash you’ll have to opt in for, and fees when you transfer points to U.S. airline transfer partners.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The American Express® Gold Card is designed for individuals with good or excellent credit. With the rewards program for this card you can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. The card charges a $325 annual fee. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$325
  • Regular APRSee Pay Over Time APR
  • Penalty APRSee Rates & Fees
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Don't mind paying a fairly sizable annual fee.
  • Aren't looking for a card with an introductory APR.
  • Plan to use the card for travel, including making international purchases.

The American Express® Gold Card is best suited for people seeking travel-focused benefits and flexible rewards redemption. The top rewards categories, in addition to flights booked, are U.S. supermarkets and worldwide restaurants, making it a good pick for foodies and those with big grocery bills.

A good strategy for rewards chasers may be to pair the American Express® Gold Card with another travel card that earns bonus rewards on hotel bookings, since you’ll only get the base rate of one point per dollar on hotel purchases with the American Express® Gold Card. For example, The Platinum Card® from American Express earns five points per dollar on prepaid hotels booked on American Express Travel.

You’ll also want to make sure you earn the welcome offer, which can be worth $600 or more. And don’t sleep on the card’s $120 Uber credit and $120 dining credit; if you’re able to use both, you’ll just about cover your annual fee on those alone. Enrollment required.

Editor's Take

If you have strong credit but aren’t ready to make the leap to a higher-fee, premium card (like The Platinum Card® from American Express), the American Express® Gold Card is a mid-tier option worth exploring. You can easily out-earn the annual fee and get a lot of added value from the card, especially if you spend a good amount at restaurants and supermarkets. Spend at least $600 each month in combined restaurant and grocery purchases and you’ll earn $288 annually — more than enough to cover the $325 annual fee. (See Rates & Fees)

Dawn PapandreaContributor

Cardholders can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

First, cardholders can earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Then, earn ongoing bonus points by using your American Express® Gold Card for dining out, grocery shopping at U.S. supermarkets and when you book flights directly with airlines or via American Express Travel.

Membership Rewards points have flexible redemption options, but you can often get better redemption value by transferring points to travel partner loyalty programs like Delta SkyMiles, Marriott Bonvoy and others.

Also, be mindful of how you redeem your points. For example, using points for statement credits or to cover past charges leaves some value on the table since 10,000 points are only worth $60 (or just 0.6 cents per point). If that sort of redemption is more your speed than crunching numbers with loyalty programs, you’d be better off with a less complex rewards program like that of the Capital One Venture Rewards Credit Card.

The Platinum Card® from American Express

The Platinum Card® from American Express
Rates and Fees

Terms Apply

Annual Fee
$695
Regular APR
See Pay Over Time APR
Intro Offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Best in Travel Credit Cards

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$95
Regular APR
19.99% - 29.49% (Variable)
Intro Offer
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Rewards
2X Miles per dollar on every purchase, every day.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is another travel card with strong benefits and bonus rewards for certain spending categories, but it has a lower annual fee of $95. The other draw of the Chase Sapphire Preferred® Card is that you get a high rewards rate (five points per dollar spent) across travel booked in the Chase Travel℠ portal, including airlines and hotels. However, the American Express® Gold Card offers a better earnings rate for restaurants and supermarkets. With the Chase Sapphire Preferred® Card, you’ll get just three points per dollar on dining and on online grocery purchases. Each card has different travel partners as well, so compare the two to see which best suits you.

For rates and fees of the American Express® Gold Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Wells Fargo Active Cash Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Mark Evitt
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Wells Fargo Active Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Wells Fargo's Website.

Rates and Fees

Terms Apply

Wells Fargo Active Cash® Card

This well-rounded credit card allows cardholders to earn unlimited 2% cash rewards on purchases, charges a $0 annual fee, and offers a $200 welcome bonus and a 0% intro APR for 12 months from account opening.

Credit Needed

Good to Excellent

Annual Fee

$0

Pros

  • Cardholders earn unlimited 2% cash rewards on purchases with no categories to track or remember.

  • There’s no annual fee cutting into your reward earnings.

  • Spend $500 with the Wells Fargo Active Cash® Card in the first three months, and earn a $200 cash rewards bonus.

Cons

  • You'll pay a foreign transaction fee for international purchases.

  • This card doesn’t provide extended warranty coverage for purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Wells Fargo Active Cash® Card is a cash rewards credit card with competitive rewards, benefits and an introductory APR on purchases and qualifying balance transfers. While you won't get top-tier travel or consumer benefits, the Wells Fargo Active Cash® Card still delivers a lot of value for a $0 annual fee, including cellphone theft or damage protection and Visa Signature privileges.

Cardholders earn unlimited 2% cash rewards on purchases with no quarterly bonus categories to activate or category restrictions. This card can serve as a good fallback option anytime you won't get more than 2% back with a different credit card.

Also, if you need to carry or transfer a balance, the Wells Fargo Active Cash® Card has a 0% intro APR for 12 months from account opening on purchases and balance transfers. After the introductory period, your rate will increase to 19.49%, 24.49%, or 29.49% variable APR.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$0
  • Regular APR19.49%, 24.49%, or 29.49% Variable APR
  • Penalty APRNone
  • Purchases Intro APR0% intro APR for 12 months from account opening
  • Balance Transfer Fee3% for 120 days from account opening, then up to 5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction Fee3%
Apply Now

On Wells Fargo's Website.

Rates & Fees

Yes, if you:

  • Want to avoid an annual fee.
  • Seek a competitive cash rewards rate and benefits.
  • Need to pay down or transfer a balance.

Since you earn unlimited 2% cash rewards on purchases, the Wells Fargo Active Cash® Card is a solid rewards earner. You can jumpstart your rewards with this card by spending $500 within the first three months to earn a $200 cash reward bonus.

You can also take advantage of the Wells Fargo Active Cash® Card’s 0% intro APR for 12 months from account opening on purchases as well as balance transfers made within the first 120 days of opening the account. It can give you time to pay off high-interest debt or split a large purchase into multiple payments interest free. While paying off your balance transfer, avoid making new charges so you don’t interfere with paying off your balance. Do the math to figure out how much you need to pay each month to eliminate your balance before the introductory period expires.

If you use your Wells Fargo Active Cash® Card to pay your monthly cellphone bill, you can get up to $600 twice in a 12-month period to repair or replace a lost, stolen or damaged phone. That’s a great feature for a card with no annual fee.

Editor's Take

The Wells Fargo Active Cash® Card is a good card if you want to take advantage of its 0% intro APR for 12 months from account opening and earn cash rewards. With 12 months to pay off balance transfers or purchases interest free, you can use this card to save on interest. After you’re done paying off your balance, you can earn 2% cash rewards on all purchases, so this card has good long-term appeal. And while it doesn’t have extensive benefits, it does offer up to $600 in cellphone protection against damage or theft.

If you want to earn more than 2% cash rewards, you can pair the Wells Fargo Active Cash® Card with a card that offers higher rewards rates in categories where you frequently spend. For example, if you spend a lot on dining or travel, you could pair this card with the Chase Sapphire Preferred® Card to earn more on those rewards categories.

Jessica MerrittContributor

When you spend $500 using your Wells Fargo Active Cash® Card within the first three months, you’ll earn $200 cash rewards.

You can maximize rewards with the Wells Fargo Active Cash® Card by first earning the $200 cash rewards bonus once you spend $500 on the card within the first three months. All purchases earn unlimited 2% cash rewards on purchases, so you don’t need to worry about bonus categories.

You can then redeem rewards for purchases, cash or gift cards or as credit to a qualifying Wells Fargo credit card, checking account or mortgage. You can also redeem rewards when checking out with PayPal.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

The Citi Double Cash® Card offers the same major benefits as the Wells Fargo Active Cash® Card, but with slightly different details that might work better for you. For example, the cardholders of the Citi Double Cash® Card can earn $200 cash back bonus, but only after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

There’s an introductory APR of 0% for 18 months on Balance Transfers on balance transfers, after that the APR will be 18.49% to 28.49% (variable), based on your creditworthiness. That's a longer period than the Wells Fargo Active Cash® Card, but you don’t get a 0% APR on purchases with the Citi Double Cash® Card. Cardholders of the Citi Double Cash® Card also earn 2% cash back – 1% when you buy plus 1% as you pay – and also offers 5% cash back on hotel and car rentals booked on the Citi Travel portal through the end of 2025. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Special Connections® credit card 2024 Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Special Connections® Credit Card

Terms Apply

The information for the Special Connections® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Special Connections® Credit Card

Earn cash back on everyday purchases with no annual fee.

Annual Fee

$0

Rewards Rate

3% Cash back on coffee shops, fast food and ride-sharing services

Pros

  • Earn up to 3% cash back in everyday categories.

  • There’s a 12-month 0% annual percentage rate on purchases and balance transfers.

  • Cardholders get up to $200 per claim in cellphone protection benefits.

Cons

  • No sign-up bonus.

  • Limited cardholder benefits.

  • Rewards expire after three years if not redeemed.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Special Connections® Credit Card earns up to 3% cash back in everyday categories and offers a 12-month 0% annual percentage rate on purchases and balance transfers. You’ll earn 3% cash back on streaming, cable and ride-sharing services, 2% at gas stations and on dining and 1% on all other purchases. There’s no annual fee for this card. Benefits include zero liability protection, cellphone protection and security features.

  • Issuer NameCommerce Bank
  • Annual Fee$0
  • Regular APR18.74% - 29.74% variable APR
  • Penalty APR27.24% Variable
  • Balance Transfer Fee$10 or 5% of the amount of each Balance Transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Foreign Transaction Fee1% of each transaction in U.S. dollars 2% of each transaction made in currencies other than U.S. dollars

Yes, if you:

  • Want a 12-month 0% annual percentage rate on purchases and balance transfers.
  • Prefer to avoid an annual fee.
  • Frequently spend in the card’s 3% cash back categories.

The Special Connections® Credit Card offers a 12-month 0% annual percentage rate on purchases and balance transfers, so it’s a good idea to open this card if you need an interest-free year to pay off a large purchase or clear high-interest debt. Just divide the balance to calculate how much you’ll need to pay each month to pay it off before interest charges apply.

If you want to take advantage of the card’s cellphone protection benefit worth up to $200 per claim, make sure you use this card to pay for your cellphone bill each month.

Editor's Take

With a 12-month 0% annual percentage rate on purchases and balance transfers, the Special Connections® Credit Card can be a good choice if you need a year to pay off a major purchase or debt.

You won’t pay an annual fee, but you can earn up to 3% cash back in everyday categories, and your cellphone is protected for up to $200 per claim if you pay your bill with the card. Those are fairly impressive perks for a card with no annual fee.

Jessica MerrittContributor

There’s no sign-up bonus with the Special Connections® Credit Card.

While the Special Connections® Credit Card lacks a sign-up bonus, you can earn 3% cash back on streaming, cable and ride-sharing services, 2% at gas stations and on dining and 1% on all other purchases. You can redeem cash back as a statement credit, or use it for select merchandise, gift cards or travel bookings.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Cash Back

The Discover it® Cash Back card has no annual fee and cardholders can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Also, Discover will match all the cash back you’ve earned at the end of your first year.

Unlike the Special Connections® Credit Card, the rewards you earn with the Discover it® Cash Back card never expire. The Discover it® Cash Back card also offers a 0% intro APR for 15 months on purchases, so if you need more than a year to pay off a big-ticket item, it may be a better choice. After the introductory period, a 18.49% to 27.49% variable APR applies. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Delta Reserve for Business Credit Card from American Express Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Delta SkyMiles® Reserve Business American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card is a premium travel rewards card for frequent Delta business travelers seeking VIP-level perks.

Credit Needed

Excellent, Good

Annual Fee

$650

Intro Offer

Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

3X Miles per dollar on eligible Delta purchases.

Pros

  • Cardholders are awarded a companion round-trip certificate each year upon account renewal.

  • Travelers in your party (up to nine people total) get their first checked bag free on Delta flights.

  • Status chasers will receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn one MQD for each $10 spent on purchases with the Delta SkyMiles® Reserve Business American Express Card.

Cons

  • This card requires a $650 annual fee.

  • The Delta SkyMiles® Reserve Business American Express Card does not accept balance transfers.

  • Earning the welcome offer requires a high level of spending.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Delta SkyMiles® Reserve Business American Express Card is a premium, benefit-loaded business travel rewards card for Delta loyalists. A $650 annual fee is required, but the card comes with free access to Delta SkyClub Lounges, a Delta Stays hotel statement credit worth up to $250, an annual companion certificate, your first checked bag free, and no foreign transaction fee. As for rewards, cardholders earn 3 miles per dollar on eligible purchases made directly with Delta, 1.5 miles per dollar on eligible transit, U.S. shipping and office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your card in a year. All other eligible purchases earn 1 mile per dollar. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$650
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Fly frequently for business on Delta
  • Will take advantage of value-added benefits like Delta SkyClub lounges, the companion certificate and various statement credits.
  • Are not averse to the high annual fee.

To get the most out of high-fee cards like the Delta SkyMiles® Reserve Business American Express Card, take advantage of the benefits and perks. For example, you can receive a statement credit for Global Entry ($100) or TSA PreCheck® ($85). Statement credits can go up to $610. Then, if you utilize the Delta Sky Club access, free checked bags and the annual companion certificate, you can quickly offset the annual fee. Don’t forget about other features like the $240 ride-hailing and Resy credit ($20 per month).

Editor's Take

The Delta SkyMiles® Reserve Business American Express Card can be a very valuable credit card, but only for frequent business travelers who prefer Delta and who spend enough to earn the welcome offer. The rewards for spending are just OK – it’s really the extra benefits that boost the card’s value. The key is to consider if you’ll use those benefits to make the card’s high fee worthwhile. There are lower-tier Delta cards from American Express if you’re a less frequent traveler who may not need the top-level benefits.

Dawn PapandreaContributor

New cardholders can earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

The card earns 3 miles per dollar on eligible purchases made directly with Delta, 1.5 miles per dollar on eligible transit, U.S. shipping and office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your card in a year. All other eligible purchases earn 1 mile per dollar. Aim to make use of the $240 Resy and ride-hailing credits ($20 per month). You’ll earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card
Rates and Fees

Terms Apply

Annual Fee
$350
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards
1.5X Miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Ink Business Premier® Credit Card

Ink Business Premier® Credit Card

Terms Apply

Annual Fee
$195
Regular APR
Flex for Business APR: 18.74% - 26.74% Variable
Intro Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Rewards
2.5% total cash back on purchases of $5,000 or more
Apply Now

On Chase's Website.

Terms Apply

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express
Rates and Fees

Terms Apply

Annual Fee
$695
Regular APR
18.74% - 27.74% Variable
Intro Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Rewards
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
The Business Platinum Card® from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express has a slightly higher annual fee of $695, but you'll 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

New cardholders of The Business Platinum Card® from American Express will also earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. You won't receive all the travel perks and benefits that come with the Delta SkyMiles® Reserve Business American Express Card, but cardholders of The Business Platinum Card® from American Express receive a $200 annual airline fee credit, up to $199 back per year for a CLEAR® Plus membership, Marriott Bonvoy® Gold Elite Status and more.

If you don't exclusively fly with Delta, the five points per dollar spent on all flights and prepaid hotels booked on AmexTravel.com you earn with The Business Platinum Card® from American Express may allow you to better maximize your earning potential. (See Rates & Fees)

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD NHL Discover it Review | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

NHL® Discover it®

Terms Apply

The information for the NHL® Discover it® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

NHL® Discover it®

Earn cash back while showing support for your favorite NHL hockey team.

Credit Needed

Excellent/Good

Annual Fee

See Terms

Rewards Rate

5% Cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate

Pros

  • Earn 5% cash back at different places each quarter when you activate the offer.

  • Discover will dollar-for-dollar match on all your cash back at the end of your first year.

  • Get a 15-month 0% annual percentage rate on purchases and balance transfers.

Cons

  • No sign-up bonus, though Discover offers the dollar-for-dollar match on all your cash back at the end of your first year.

  • Cardholder benefits are limited to privacy and purchase protection.

  • You'll only earn the 5% cash back at different places each quarter when you activate the offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The NHL® Discover it® gives you 1% unlimited cash back on all purchases automatically and 5% cash back at different places each quarter when you activate the offer. Categories may include grocery stores, restaurants and gas stations, but depend on what’s available each quarter. There is a quarterly spending maximum to earn 5% back. However, you’ll get a dollar-for-dollar match on all your cash back at the end of your first year, and there’s no annual fee. A fun perk for hockey fans, you can pick the logo of your favorite NHL team to showcase on the card.

  • Issuer NameDiscover
  • Credit NeededExcellent/Good
  • Annual FeeSee Terms
  • Regular APR16.74% to 27.74% Variable APR
  • Penalty APRNone
  • Purchases Intro APR15-month 0% annual percentage rate on purchases and balance transfers

Yes, if you:

  • Can keep track of and maximize 5% cash back categories.
  • Plan a major expense to use the cash back match and 0% introductory APR.
  • Don’t want to pay an annual fee.

The NHL® Discover it® comes strong out of the gate, offering a 15-month 0% annual percentage rate on purchases and balance transfers. It also has a cash back match, which means Discover will dollar-for-dollar match on all your cash back at the end of your first year with the card. If you’re planning a major purchase, you could get 15 months to pay it off with no interest, and Discover will double your cash back earnings on it. Alternatively, you could use the 15-month introductory rate to transfer a balance and save on interest.

Beyond the introductory offer and cash back match, stay on top of the card’s 5% bonus categories, which change each quarter and are limited to the first $1,500 in purchases. You’ll need to activate your bonus – easy enough to do when you log in to pay your bill. Then, keep track of which categories earn the most.

Editor's Take

The NHL® Discover it® is a good choice for hockey fans seeking cash back rewards and no annual fee. It offers a fun way to show support for your favorite team but still has solid rewards and a 15-month 0% annual percentage rate on purchases and balance transfers.

You could make this your everyday card, though your cash back earnings may be limited if your purchases don’t line up with the always-changing bonus categories. For example, let’s say you often spend a lot at restaurants. The NHL® Discover it® may only offer 5% cash back on dining purchases for three months out of the year and a maximum of $1,500 in spending. In that case, you won’t earn as much as you could with a less restrictive rewards card.

Jessica MerrittContributor

The NHL® Discover it® doesn’t offer a sign-up bonus, but new cardholders get a cash back match that doubles your cash back earnings at the end of your first year with the card.

Planning purchases with Discover’s Cashback Bonus calendar can help you maximize your 5% cash back potential with the NHL® Discover it®. Discover usually announces new quarterly categories a month before the categories start, so you can plan ahead. For example, if grocery stores are coming up soon on the Cashback Bonus calendar, you might plan to purchase grocery gift cards during that quarter to prepay some of your grocery expenses and earn 5% at the same time.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

The Chase Freedom Unlimited® can be an alternative or supplement to NHL® Discover it®. Cardholders of the Chase Freedom Unlimited® can earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. You could use NHL® Discover it® for 5% bonus purchases, then turn to Chase Freedom Unlimited® to earn at least 3% on everything else. Like the NHL® Discover it®, Chase Freedom Unlimited® has a 0% intro APR on balance transfers and purchases for 15 months, then an APR of 19.74% to 28.49% variable.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Chase Sapphire Preferred Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

This card may be a good choice if you want to earn rewards on travel and dining and don't mind paying an annual fee.

Credit Needed

Excellent, Good

Annual Fee

$95

Intro Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Rewards Rate

5x On travel purchased through Chase Travel℠

Pros

  • Offers a lucrative introductory bonus.

  • Earns bonus points for travel, dining, online groceries and streaming purchases.

  • Points worth 25% more when redeemed through Chase Ultimate Rewards®.

  • Offers savings with partners including DoorDash and Lyft.

Cons

  • Above-average APR.

  • No introductory APR on purchases or balance transfers.

  • Charges an annual fee.

  • No bonus points on everyday categories like supermarkets or gas.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Chase Sapphire Preferred® Card is a popular travel rewards card – and for good reason. It offers bonus rewards for travel, dining, online groceries, and streaming with options for redeeming points at an outsized value. New cardholders earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening, making it a great card for kick-starting travel rewards.

Add in card benefits such as purchase protection and trip cancellation/interruption insurance, and the Chase Sapphire Preferred® Card is a well-rounded travel card with a reasonable annual fee.

The Chase Sapphire Preferred® Card isn’t for everyone. If you want to carry just one card that earns well on everyday purchases, the Chase Sapphire Preferred® Card might not be your best option, especially if you don’t dine out often, order your groceries online or pay for streaming services. The Chase Sapphire Preferred® Card also is not a good choice if you plan to carry a balance. Serious globetrotters are likely to find greater value in Chase Sapphire Reserve® or other premium travel cards with greater rewards and benefits.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$95
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Travel a few times per year.
  • Want to access a generous sign-up bonus to offset the cost of an upcoming trip.
  • Spend moderately.

A popular strategy for earning more rewards with the Chase Sapphire Preferred® Card is pairing it with one or more of Chase’s no-annual-fee cards that earn bonus rewards in categories the Chase Sapphire Preferred® Card doesn't cover. Instead of redeeming those earnings as cash back, you can transfer the points from these cards and redeem at the Chase Sapphire Preferred® Card's elevated travel rate.

Other smart strategies for the Chase Sapphire Preferred® Card include:

  • Timing when you open the card. If you get the card when you need to make a large purchase, it can make it easier to meet the sign-up bonus spending requirement. 
  • Opting-in for additional benefits. The card comes with complimentary access to DashPass from DoorDash, but only if you activate the benefit. 
  • Paying the balance in full. To get the most value out of travel rewards cards, you should avoid paying interest, which can negate your earnings.
  • Leveraging travel benefits. From primary auto rental coverage to trip cancellation/interruption insurance included on travel you pay for with the card, you can save on insurance costs when you travel.

Editor's Take

If you’re ready to make the leap to an annual fee travel credit card, the Chase Sapphire Preferred® Card is definitely one of the best and most popular cards out there. You won’t get VIP-level benefits as you will on more premium, higher-fee cards, but there’s still lots of value.

For starters, the signup bonus is one of the most lucrative – that alone can cover your annual fee for more than seven years. But you’ll get everyday, ongoing value from the card as well, including consumer discounts, travel protections and no foreign transaction fee.

Even though the Chase Sapphire Preferred® Card is a travel-focused card, there’s lots of rewards-earning potential beyond just booking trips if you prefer online grocery shopping, dine out often and love streaming services.

However, the annual fee makes the card less worthwhile if you travel infrequently or tend to carry balances. On the flip side, you may decide it’s worth upgrading to the Chase Sapphire Reserve® card if you travel often.

Dawn PapandreaContributor

With the Chase Sapphire Preferred® Card, you can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

You can leverage the earning and redeeming structure of the Chase Sapphire Preferred® Card if you make purchases in bonus-earning categories and choose redemptions that maximize your points value.

The best thing about Chase Travel℠ is the flexible redemption choices, but using the points wisely can squeeze extra value out of them. For example, points are worth 25% more when redeemed for airfare, hotels, car rentals and cruises through Chase Travel℠.

Chase also has travel transfer partners including United, JetBlue, Southwest Airlines, Marriott Bonvoy and World of Hyatt. You can transfer your points at a 1:1 ratio, and depending on which flights or hotel stays you select, your point value can become even higher than 1.25 cents per point.

To boost your earnings, you’ll want to maximize the top earning categories, which include: 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, online grocery purchases, and select streaming services and 2 points per dollar on all other travel purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Alternative Pick

Citi Strata Premier℠ Card
Rates and Fees

Terms Apply

Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Strata Premier℠ Card

If you’re in the market for a mid-tier annual fee travel rewards card, another option to consider is the Citi Strata Premier℠ Card. Like the Chase Sapphire Preferred® Card, it has a $95 annual fee, strong sign-up bonus and several bonus rewards categories.

The Citi Strata Premier℠ Card earns 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases. $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).

The Citi Strata Premier℠ Card also has 1-to-1 travel transfer partners, so it might be worth comparing both cards to see which airline and hotel programs better align with your preferences. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Quicksilver Student Cash Rewards Credit Card
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Quicksilver Student Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Student Cash Rewards Credit Card

The card offers a flat 1.5% Cash Back on every purchase, every day and allows college students with at least fair credit to build credit history.

Credit Needed

Average, Fair, Limited

Annual Fee

$0

Intro Offer

Earn $50 Cash Back when you spend $100 in the first three months

Rewards Rate

1.5% Cash Back on every purchase, every day.

Pros

  • This card's rewards rate could make it a good fit for students who have big expenses that fall outside of other student cards' bonus categories.

  • The card has a $0 annual fee and no foreign transaction fee.

  • You can earn $50 Cash Back when you spend $100 in the first three months.

Cons

  • Some other student credit cards offer higher rewards rates in certain purchase categories, which can be beneficial if you spend a lot in those areas.

  • The Capital One Quicksilver Student Cash Rewards Credit Card charges a 19.49% to 29.49% (variable) annual percentage rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Quicksilver Student Cash Rewards Credit Card provides college students with a way to build credit while earning a solid rewards rate on every purchase. Cardholders get a flat 1.5% Cash Back on every purchase, every day. The card also has a $0 annual fee and no foreign transaction fees, making it a solid option for studying abroad. (See Rates & Fees)

  • Issuer NameCapital One
  • Credit NeededAverage, Fair, Limited
  • Annual Fee$0
  • Regular APR19.49% - 29.49% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Are a college student looking to build your credit history.
  • Want the simplicity of a flat rewards rate.
  • Plan to study abroad and want to avoid foreign transaction fees.

Earning cash back on this card is simple – the key is not to overspend as you learn how to navigate the world of credit. You'll quickly negate any rewards you earn if you start revolving a balance and paying interest charges from the high APR. Make a plan to automate your monthly payment and set spending limits for yourself.

Editor's Take

The beauty of the Capital One Quicksilver Student Cash Rewards Credit Card is that there isn't a lot of strategy involved. Just make purchases with the card, and you'll earn a flat-rate cash back. But to grow your credit and graduate to a "regular" card someday, what's most important is using the card wisely and responsibly. That means paying your bill on time every month and keeping your balance as low as possible.

Dawn PapandreaContributor

You can earn $50 Cash Back when you spend $100 in the first three months.

The card offers a flat 1.5% Cash Back on every purchase, every day, so it's not too difficult to maximize your rewards. Simply use the card without breaking your budget or bringing down your credit score.

While the card earns solid rewards, its relatively high APR means it won't provide much value if you carry a balance. Make it a goal to pay your bill on time and in full every month to ensure that you keep every dollar you earn in cash rewards and make steady progress on your credit-building.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Student Chrome
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Student Chrome

Another solid student credit card to consider is Discover it® Student Chrome. Cardholders can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. Commuter students who spend a lot on fueling up their cars and dining out might benefit from this card's bonus categories.

Other perks include a 0% intro APR for 6 months on purchases, then the standard variable purchase APR of 17.49% to 26.49% variable APR applies, and the fact Discover will match all the cash back you’ve earned at the end of your first year. While neither card charges a foreign transaction fee, study-abroad students might find that the Capital One is more widely accepted outside the U.S. than the Discover card.

For rates and fees of the Capital One Quicksilver Student Cash Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Best Western Rewards Premium Mastercard
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Best Western Rewards® Premium Mastercard®

Terms Apply

The information for the Best Western Rewards® Premium Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Best Western Rewards® Premium Mastercard®

Earn bonus points and get room rate discounts with the Best Western Rewards® Premium Mastercard®.

Annual Fee

$89

Rewards Rate

20X Points per dollar on Best Western stays (10 points as a Best Western Rewards member, 10 points for using your Best Western Rewards Premium Mastercard)

Pros

  • Earn 20 total points per dollar on Best Western purchases.

  • You can earn an annual point bonus.

  • Get automatic platinum status.

Cons

  • There's an $89 annual fee.

  • Points can only be redeemed for stays with Best Western or partner redemptions, not cash back.

  • There's a 23.24% to 29.74% annual percentage rate and no 0% introductory APR offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD IHG One Rewards Traveler Credit Card 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

IHG One Rewards Traveler Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

IHG One Rewards Traveler Credit Card

Earn up to 17 points per dollar on IHG purchases with Silver Elite status and no annual fee.

Credit Needed

Good/Excellent

Annual Fee

$0

Intro Offer

Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

Rewards Rate

17X points total per $1 spent when you stay at IHG Hotels & Resorts.

Pros

  • Earn up to 17 points per dollar on IHG purchases.

  • Get 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.

  • Pay no annual fee.

Cons

  • No introductory annual percentage rate.

  • Points must be redeemed with IHG or its partners, not for cash back.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Designed for frequent visitors to IHG hotels and resorts, cardholders of the IHG One Rewards Traveler Credit Card earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases. New cardholders will earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening. Each year, you can earn 10,000 bonus points after you spend $10,000 on purchases. Free nights at IHG hotels start at 5,000 points.

The IHG One Rewards Traveler Credit Card has no annual or foreign transaction fees. Cardholders receive a free hotel night when you book a reward stay of four or more nights. Other benefits include baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance and purchase protection.

  • Issuer NameChase
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR20.74% - 27.74% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Frequently stay at IHG hotels.
  • Prefer to avoid an annual fee.
  • Can take advantage of card benefits.

The IHG One Rewards Traveler Credit Card is most valuable when you use it to stay with IHG. You'll earn up to 17 points per dollar on IHG purchases. It's also a good idea to plan your spending to earn bonus points. Spend $2,000 on the card within the first three months, and you'll earn the 80,000-point sign-up bonus. If you spend $10,000 on the card each year, you'll earn 10,000 bonus points.

The IHG One Rewards Traveler Credit Card comes with automatic Silver Elite status, which offers member rates and promotions, free internet access and 2 p.m. late checkout when available, so plan to take advantage of your benefits as a cardholder.

Editor's Take

With no annual fee, the IHG One Rewards Traveler Credit Card is a good choice if you regularly stay at IHG hotels. You can accelerate your points earning and get elite benefits, but you won't have to pay an annual fee to get an elevated hotel experience.

Frequent travelers may prefer the IHG One Rewards Premier Credit Card, which has a $99 annual fee but offers a higher sign-up bonus, up to 26 points per dollar with IHG and automatic Platinum Elite status.

Jessica MerrittContributor

You can earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

You'll start out strong if you earn the 80,000-point sign-up bonus, which you'll earn after spending $2,000 on purchases within the first 3 months of account opening. It's also a good idea to use this card for IHG purchases, which will earn you up to 17 total points per dollar. Spend $10,000 each calendar year, and you'll get a 10,000-point bonus.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
IHG One Rewards Premier Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

IHG One Rewards Premier Credit Card

You may want to get the IHG One Rewards Premier Credit Card if you stay frequently with IHG hotels. Though there's a $99 annual fee, cardholders can earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases. New cardholders earn a 140,000-point sign-up bonus after spending $3,000 on purchases in the first 3 months from account opening. As a cardholder, you can get automatic Platinum Elite status, an anniversary free night, a statement credit for expedited airport security program fees, including TSA PreCheck. You will also earn a $100 statement credit and 10,000 bonus points when you spend $20,000 each year. None

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Savor Cash Rewards Credit Card 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Savor Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card may suit consumers with excellent credit who want to earn bonus cash back for dining, entertainment and grocery spending and not pay an annual fee.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

Rewards Rate

8% Cash Back on Capital One Entertainment purchases.

Pros

  • Earns 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services.

  • $0 annual fee and no foreign transaction fee.

  • Offers a 0% intro on purchases for 15 months; 19.49% to 29.49% (variable) APR after that; balance transfer fee applies.

Cons

  • The card is only available to those with excellent credit.

  • After the introductory rate expires, the card has a potentially high APR.

  • The sign-up bonus is lower than some other rewards cards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

With the Capital One Savor Cash Rewards Credit Card, cardholders earn unlimited cash back on everyday purchases with no annual fee. This card earns 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services. Cardholders can also earn elevated rewards when booking through Capital One Travel and Capital One Entertainment (terms apply). You can earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. (See Rates & Fees)

Card benefits include extended warranty protection on purchases, complimentary concierge service and fraud coverage for unauthorized charges.

  • Issuer NameCapital One
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR19.49% - 29.49% (Variable)
  • Penalty APRNone
  • Purchases Intro APR0% intro on purchases for 15 months
  • Balance Transfer FeeBalance transfer fee applies
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Are looking for a rewards card with a $0 annual fee. (See Rates & Fees)
  • Want to earn 3% cash back for spending on dining, entertainment, popular streaming services and groceries.
  • Plan to pay off the balance each billing cycle to avoid the potentially high APR.

The card earns 3% on dining, entertainment, popular streaming services and at grocery stores, so you should use it for purchases in those categories. But it only earns 1% on other purchases, so you can earn more cash back if you pair this card with another card that earns a good flat rate on cash back. For example, the Capital One Quicksilver Cash Rewards Credit Card has a $0 annual fee and earns unlimited 1.5% Cash Back on every purchase, every day. (See Rates & Fees)

It's also a good idea to earn the Capital One Savor Cash Rewards Credit Card's sign-up bonus, which offers the ability to earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.

If you need to make a large purchase or pay off high interest balances with a balance transfer, the card has a 0% intro on purchases for 15 months; 19.49% to 29.49% (variable) APR after that; balance transfer fee applies. Just avoid making new purchases as you pay off your 0% balance so you don’t interfere with your progress. (See Rates & Fees)

Editor's Take

The Capital One Savor Cash Rewards Credit Card is a good choice if you want to earn cash back rewards for dining, entertainment, streaming services and grocery store purchases. With a $0 annual fee, you can earn cash back and take advantage of benefits that include extended warranty coverage and travel accident insurance (See Rates & Fees).

Jessica MerrittContributor

New cardholders can earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.

You'll earn the most rewards with the card when you use it on dining, entertainment, popular streaming services and at grocery stores (excluding Walmart and Target). You'll earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. Cardholders who frequently shop on Amazon can use their rewards to pay for Amazon purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

If you're looking for a no-annual-fee card with a long 0% intro APR period, the Chase Freedom Unlimited® is another option. Like the Capital One Savor Cash Rewards Credit Card, the Chase Freedom Unlimited® offers a 0% intro APR on balance transfers and 0% intro APR on purchases for 15 months; after that, a 19.74% to 28.49% variable APR applies. Cardholders of the Chase Freedom Unlimited® earn 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants – including takeout and eligible delivery service – and 1.5% on all other purchases.

For rates and fees of the Capital One Savor Cash Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citizens Bank Cash Back Plus World Mastercard Review | U.S. News
By Austin Cole
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citizens Cash Back Plus™ World Mastercard®

Terms Apply

The information for the Citizens Bank Cash Back Plus® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Citizens Cash Back Plus™ World Mastercard®

The Citizens Cash Back Plus™ World Mastercard® makes it simple to earn cash back rewards and comes with a slew of security and protections for cardholders.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

1.8% Cash back on every purchase

Pros

  • 0% introductory APR for the first fifteen billing cycles from date of account opening on balance transfers.

  • Unlimited cash back rewards on everyday purchases.

  • $0 annual fee and no foreign transaction fees.

Cons

  • Potentially high interest rate after the introductory period.

  • Restrictive redemption requirements.

  • No cash back welcome offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citizens Cash Back Plus™ World Mastercard® offers an unlimited 1.8% cash back on every purchase. The card has a 0% introductory APR for the first fifteen billing cycles from date of account opening on balance transfers and a 21.24% to 29.24% variable APR thereafter. The card charges a $0 annual fee and does not have a foreign transaction fee.

The card also offers an extended warranty protection that doubles the original manufacturer or store brand warranty for up to two years; MasterRental Insurance for collision, loss or damage; and trip cancellation and trip interruption insurance if you use your card to purchase your entire trip on a major airline.

  • Issuer NameCitizens Bank
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR21.24% to 29.24% variable
  • Penalty APRNone
  • Balance Transfer Fee$10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance FeeCash Loans, ATM Loans, and Convenience Check Loans: Either $10 or up to 3% of the amount of each advance, whichever is greater Cash Equivalent Transactions: Either $20 or 5% of the amount of each advance, whichever is greater

Yes, if you:

  • Want simplicity in your cash back earnings. 
  • Want a 0% introductory APR for the first fifteen billing cycles from date of account opening on balance transfers.
  • Don't want to pay an annual fee or foreign transaction fees.

$0 annual fee and no foreign transaction fees with a simple way to earn cash back makes the Citizens Cash Back Plus™ World Mastercard® easy to hold onto for a long time, which could help improve your credit. The card earns more on cash back than many other no-annual-fee credit cards. However, you may miss out on additional ways to earn cash back with similar cards.

If you are someone who misses the occasional credit card payment, note you'll be charged a late payment fee of up to $41, but you won't be subject to a penalty APR.

Editor's Take

The Citizens Cash Back Plus™ World Mastercard® offers 1.8% cash back on all purchases and cardholder perks like extended warranty protection on purchases. However, similar cash back cards may offer more upfront value.

For instance, the Discover it® Cash Back allows you to earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Also, Discover will match all the cash back you’ve earned at the end of your first year. .

You'll have to decide if the upfront value of other no-annual-fee cards outweighs the long-term value and cardholder perks the Citizens Cash Back Plus™ World Mastercard® offers.

Austin ColeContributor

The Citizens Cash Back Plus™ World Mastercard® has a 0% introductory APR for the first fifteen billing cycles from date of account opening on balance transfers.

Maximizing your rewards with the Citizens Cash Back Plus™ World Mastercard® is simple: Earn 1.8% cash back on everything you buy. There are no rotating categories you need to opt into or other ways to earn.

If you have a Citizens Quest checking account with Citizens Bank, you can increase the cash back rate to 1.9% on all purchases.

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards
1.5% Cash back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Cash Back

The Discover it® Cash Back allows you to earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Plus, Discover will match all the cash back you’ve earned at the end of your first year. .

Having to opt into and keep track of quarterly rotating categories can be a hassle that many don't want to deal with, even with no annual fee. The Citizens Cash Back Plus™ World Mastercard® offers a more simple way to earn cash back with useful cardholder perks, but you may have to forfeit some upfront value Discover it® Cash Back and other similar cards can offer.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Fifth Third Bank Secured Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Fifth Third Secured Card

Terms Apply

The information for the Fifth Third Secured Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Fifth Third Secured Card

For a small annual fee, this secured card can help you build credit, but you won’t get any bells or whistles.

Credit Needed

Poor/Limited/No History

Annual Fee

$24

Pros

  • The Fifth Third Secured Card offers consumer benefits, including zero liability protection, airport concierge service, and identity theft protection.

  • The card reports to all three credit bureaus, which is important for credit-building.

Cons

  • The Fifth Third Secured Card does not offer a cash-back, points or miles rewards program.

  • There is a $24 annual fee to use the card.

  • Cardholders who use the Fifth Third Secured Card abroad will pay a 3% foreign transaction fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Fifth Third Secured Card is designed to help cardholders establish or rebuild their credit score. The card requires a minimum security deposit of $300 (up to $5,000) made into a personal savings account. There is a $24 annual fee. The APR for both purchases and balance transfers is a variable 29.24%.

  • Issuer NameFifth Third Bank
  • Credit NeededPoor/Limited/No History
  • Annual Fee$24
  • Regular APR29.24%
  • Penalty APRNone
  • Balance Transfer Fee$5 or 4% of the amount of each transfer,whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Foreign Transaction Fee3%

Yes, if you:

  • Are trying to build or rebuild your credit.
  • Don’t mind paying a nominal annual fee.
  • Aren’t looking for a rewards program.

The Fifth Third Secured Card is a straightforward secured card. Your main goal should be to build up your credit incrementally over time so you can move on to an unsecured card that offers you more value and benefits. Use the card to make small purchases and then pay your bill in full each month. Keeping your balance low and avoiding late payments over time are the best ways to see credit score improvement.

Editor's Take

If you want a credit card that can help you build your credit, the Fifth Third Secured Card can help. Are there better secured credit card offers out there? Yes, from those with no fee to ones that earn some rewards. But remember, this is meant to be a temporary product to establish your creditworthiness so you can graduate to unsecured credit. The card does what you need it to do – it gives you a chance to build credit and reports your activity to the credit bureaus.

Dawn PapandreaContributor

The Fifth Third Secured Card does not have a welcome offer.

There are no rewards to earn on this card. The best way to make the most of the card is to pay your bill on time each month and avoid having high balances relative to your credit limit. For example, if your limit is only $300, try to keep your balance below $100 at all times. Your credit utilization, or how much available credit you are using, is a big component of the credit score calculation.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

If you want a secured credit card that offers additional perks beyond helping you build credit, the Discover it® Secured Credit Card is worth a look. You’ll earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. Also, Discover will match all the cash back you’ve earned at the end of your first year. What’s more, the Discover it® Secured Credit Card has no annual fee, compared to the Fifth Third Secured Card’s $24 per year. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Petal® 2 "Cash Back, No Fees" Visa® Credit Card 2024 Review | US News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Terms Apply

More Info

The information for the Petal® 2 "Cash Back, No Fees" Visa® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

This card might be a good fit if you want to build credit and earn rewards without paying an annual fee.

Credit Needed

Excellent, Good, Limited History, No History, Limited, No Credit

Annual Fee

$0

Rewards Rate

1.5x cash back on all purchases

Pros

  • The Petal® 2 "Cash Back, No Fees" Visa® Credit Card has no annual fee, foreign transaction fees or late fees.

  • You can earn up to 1.5% cash back if you make at least 12 monthly payments on time. You can also earn 2% to 10% cash back on eligible purchases with participating merchants.

  • Cardholders have access to credit score tracking and credit limit increase progress in the mobile app.

Cons

  • You have to make 12 on-time payments before you can earn 1.5% cash back.

  • You won't earn a sign-up bonus.

  • Potentially high annual percentage rate if you carry a balance.

  • There's no 0% introductory APR on purchases or balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is designed for building credit and earning cash back with no annual fee. Submitting an application to see if you’re preapproved will not impact your credit score.

Cardholders earn 1% cash back on eligible purchases, but the card offers up to 1.5% cash back if you make at least 12 monthly payments on time. You can also earn 2% to 10% cash back on eligible purchases with participating merchants. Cardholders get access to credit score tracking and fraud protection, and you can freeze your card at any time.

  • Issuer NameWebBank
  • Credit NeededExcellent, Good, Limited History, No History, Limited, No Credit
  • Annual Fee$0
  • Regular APR18.24% to 32.24% variable
  • Penalty APRNone

Yes, if you:

  • Would like an incentive to make on-time payments and build credit. 
  • Want a credit card with no annual fee.
  • Will maximize the card’s rewards potential by paying on time each month.

The card offers the most value with its rewards and credit-building features. Using the app, you can track your progress to a credit line increase and see how your credit score has changed over time.

You can increase your rewards earning by making on-time payments. You'll start by earning 1% cash back, then 1.25% after six on-time payments and 1.5% after 12 on-time payments.

Also keep an eye on the card’s cash back bonuses, since you can earn 2% to 10% cash back on eligible purchases with participating merchants.

Editor's Take

If you want to build credit and need an incentive to do so, the Petal® 2 "Cash Back, No Fees" Visa® Credit Card can be helpful. Making on-time payments can help you boost your credit score, and this card rewards you with a 1.5% cash back if you make at least 12 monthly payments on time.

However, you could get 1.5% Cash Back on every purchase, every day from other cards such as the Capital One Quicksilver Cash Rewards Credit Card without having to wait a year.

Jessica MerrittContributor

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card doesn't offer a sign-up bonus.

Making on-time payments is the best way to maximize rewards with the card, as you'll earn 1.5% cash back if you make at least 12 monthly payments on time.

This card also earns 2% to 10% cash back on eligible purchases with participating merchants, so you can earn more cash back if you keep an eye out for these bonuses.

You can redeem cash back as a statement credit, ACH transfer or mailed check. Cash back doesn't expire as long as your account is open in good standing.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% Cash Back on every purchase, every day from the start, whereas you have to make 12 on-time payments to earn the same rate with the Petal® 2 "Cash Back, No Fees" Visa® Credit Card.

With the Capital One Quicksilver Cash Rewards Credit Card, you can also get a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Also, this card offers a 0% intro on balance transfers and 0% intro on purchases for 15 months; 19.49% to 29.49% (variable) APR applies after the introductory period. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PenFed Power Cash Rewards Visa Signature Card 2024 Review | U.S. news
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Power Cash Rewards Visa Signature® Card
Rates and Fees

Terms Apply

The information for Power Cash Rewards Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Power Cash Rewards Visa Signature® Card

This card offers flat-rate cash back rewards and a 0% introductory annual percentage rate on balance transfers.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn $100 statement credit when you spend $1,500 in the first 90 days

Rewards Rate

2x on all purchases for Honors Advantage members (with checking account or military)

Pros

  • There's no annual fee or foreign transaction fees.

  • The variable APR of 17.99% is lower than many other cash back credit cards.

  • Cardholder benefits include cellphone protection and travel accident coverage.

Cons

  • Since PenFed is a credit union, you must become a member by opening a savings account to access its credit cards and other financial products.

  • The introductory APR is only available for balance transfers and doesn't extend to purchases.

  • The bonus offer is fairly low compared with what some other cash back cards offer, and it comes with a high spending requirement to get the small offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Power Cash Rewards Visa Signature® Card is a basic cash back credit card. PenFed Honors Advantage members earn 2% cash back on all purchases, while nonmember cardholders earn 1.5%.

The card comes with a 0% introductory annual percentage rate on balance transfers for 12 months, but you'll pay a 3% fee per transaction. New cardholders will receive a $100 statement credit after spending $1,500 within 90 days of opening the card.

The Power Cash Rewards Visa Signature® Card includes benefits such as a complimentary concierge service and 24/7 fraud monitoring. A PenFed Credit Union membership – which is required to open the card – comes with discounts on home, auto, personal, retail and financial products and services. Cardholders also get travel accident coverage and cellphone protection when they use the card to pay their wireless bill.

  • Issuer NamePenFed
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.99%
  • Penalty APR17.99% Variable APR
  • Purchases Intro APR17.99% Variable APR
  • Balance Transfer Fee3% per transaction

Yes, if you:

  • Are looking for a card with no annual fee
  • Want to do a balance transfer during the introductory period 
  • Are an Honors Advantage member

The Power Cash Rewards Visa Signature® Card is best for cardholders who become Honors Advantage members since you are bumped up to 2% cash back. All you have to do is open a PenFed checking account to qualify. If you have a military affiliation, you'll get automatic Honors Advantage status.

Editor's Take

If you get the 2% cash back rate as an Honors Advantage member, the Power Cash Rewards Visa Signature® Card is a solid card to keep in your wallet. Though it doesn't have a stellar welcome offer, it can provide ongoing cash back rewards for all purchases. With no foreign transaction fees, it's good to use abroad as well. Use another rewards card that earns bonus rewards in categories you spend most in, and pull out this card for all other purchases to get the 2% back.

Dawn PapandreaContributor

New cardholders will receive a $100 statement credit after spending $1,500 within 90 days of opening the card.

The Power Cash Rewards Visa Signature® Card comes with flat-rate rewards and no bonus categories, so earning rewards is relatively straightforward. Honors Advantage members earn 2% cash back on all purchases, while everyone else receives a respectable 1.5% cash back rate. If you spend $1,500 within 90 days of opening the card, you'll receive a $100 statement credit.

You have a few options for redeeming your cash back rewards. You can apply them as a statement credit, deposit them into a PenFed checking or share account, or transfer them to another financial institution. As long as your account remains open, rewards don't expire.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PNC Travel Rewards Visa Business | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PNC Travel Rewards Visa® Business Credit Card

Terms Apply

The information for the PNC Travel Rewards Visa® Business Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

PNC Travel Rewards Visa® Business Credit Card

This card has good purchase protections but is lacking in travel rewards earning potential.

Annual Fee

$0

Rewards Rate

1X Mile per dollar on all eligible purchases

Pros

  • The card lets you add employee cards with spending limits and easily download expense reports into your accounting software.

  • The card offers benefits for cardholders, including extended warranty coverage and protection against theft and damage, as well as travel and emergency assistance services.

  • The PNC Travel Rewards Visa® Business Credit Card has no annual or foreign transaction fees.

Cons

  • Though the PNC Travel Rewards Visa® Business Credit Card earns 2 miles per dollar on the first $2,500 in purchases and 1 mile per dollar on all purchases after that, there is no sign-up bonus.

  • The PNC Travel Rewards Visa® Business Credit Card does not offer bonus mile categories, and its flat rate of 1 mile per dollar on all purchases is lower than some other cards.

  • There’s no introductory annual percentage rate on purchases or balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The PNC Travel Rewards Visa® Business Credit Card is a business travel rewards credit card. You can earn 2 miles per dollar on the first $2,500 in purchases and 1 mile per dollar on all purchases after that. There is no annual fee or foreign transaction fee.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR19.24% to 27.24% variable APR
  • Penalty APR28.99% Variable
  • Balance Transfer Fee$5 or 3% of the amount of each balance transfer, whichever is greater
  • Cash Advance FeeEither $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)

Yes, if you:

  • Want a simple no-fee business travel card for you and your employees.
  • Aren’t looking for a big sign-up bonus.
  • Travel abroad and don’t want to pay a foreign transaction fee.

This card doesn’t require much strategy since it offers a flat 1 mile per dollar on all purchases. However, you'll earn 2 miles per dollar on the first $2,500 in purchases, so it can be a good use of the card to make purchases up to that amount on items that you aren’t earning bonus rewards on with other cards. Beyond that, the card does have pretty solid consumer benefits, so you can use it to buy supplies or equipment that you’d like to have extra protection or an extended warranty on.

Editor's Take

If you’re looking to earn rewards to help offset the cost of business travel, there are better card options out there, as the PNC Travel Rewards Visa® Business Credit Card only offers 2 miles per dollar on the first $2,500 in purchases and 1 mile per dollar on all purchases after that. However, if you’re more interested in solid purchase protections and travel insurance benefits, no foreign transaction fee, and tools to manage employee cards, it could be a good fit for you.

Dawn PapandreaContributor

The PNC Travel Rewards Visa® Business Credit Card card does not offer a sign-up bonus, though you will earn 2 miles per dollar on the first $2,500 in purchases.

You will earn 2 miles per dollar on the first $2,500 in purchases and 1 mile per dollar on all purchases after that. Travel redemption offers a slightly higher value than redeeming for a statement credit. For instance, you’ll only get a $40 monetary credit for 5,000 miles, while redeeming 5,000 miles for a hotel booking, cruise or rental car is worth $50. Air travel redemptions offer the most points value: Redeem 25,000 miles for a monetary credit of up to a maximum ticket price of $315; you’ll get $50 for every 5,000 miles thereafter.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Business Advantage Travel Rewards World Mastercard®

Terms Apply

Read More

The information for the Bank of America® Business Advantage Travel Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Business Advantage Travel Rewards World Mastercard®

The Business Advantage Travel Rewards World Mastercard® could be a better match if you want to earn higher travel rewards without an annual fee. You’ll earn a flat 1.5 points per dollar spent on all purchases, but that can increase to as high as 2.62 points per dollar if you are a Preferred Rewards for Business customer. You can also earn a traditional welcome offer of 30,000 bonus points by spending $3,000 in net purchases within 90 days of account opening and get an introductory 0% APR on purchases for nine billing cycles. Like the PNC Travel Rewards Visa® Business Credit Card, the Business Advantage Travel Rewards World Mastercard® has strong benefits, including travel accident insurance, lost luggage reimbursement, trip cancellation coverage, trip delay reimbursement and zero liability for unauthorized purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Carnival World Mastercard 2024 Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Carnival® World Mastercard®

Terms Apply

More Info

The information for the Carnival® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Carnival® World Mastercard®

Frequent cruisers can save on Carnival voyages by earning rewards on this co-branded card.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

2X Points per dollar spent on any purchases with Carnival Cruise Line and with the brands of the World’s Leading Cruise Lines

Pros

  • When you make your first purchase or balance transfer, you will earn 20,000 bonus points.

  • There is no annual fee or no foreign transaction fees for the Carnival® World Mastercard®.

  • 15-month 0% introductory APR for any balance transfers made within 45 days of opening an account.

Cons

  • The only bonus rewards are two points per dollar spent with Carnival, while some other travel cards have multiple bonus categories with potentially higher earnings.

  • Although there is a 0% introductory APR for six months on Carnival Cruise Lines bookings, there is no introductory rate for standard purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Carnival® World Mastercard® is a co-branded travel rewards credit card designed for people who frequently travel with Carnival Cruise Lines and other World’s Leading Cruise Lines brands. It earns two points per dollar spent with Carnival Cruise Lines and brands of the World’s Leading Cruise Lines and one point per dollar on all other purchases.

You’ll earn 20,000 bonus points after you make your first purchase or balance transfer. The card charges no annual fee. There’s a six-month 0% introductory APR for eligible booking purchases with carnival cruise lines and a 15-month 0% introductory APR for any balance transfers made within 45 days of opening an account. After that, the variable APR is 20.24%, 26.24%, or 29.99%, based on your creditworthiness. Benefits include no foreign transaction fees and a 10% discount on Carnival shore excursion packages purchased before your cruise.

  • Issuer NameBarclays
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR20.24%, 26.24%, or 29.99%
  • Penalty APRNone
  • Purchases Intro APRsix-month 0% introductory APR for eligible booking purchases with Carnival Cruise Lines
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Are a frequent Carnival cruiser.
  • Want to earn rewards to put toward your next cruise.
  • Don’t want to pay an annual fee.

Because you only get bonus rewards on Carnival cruise purchases, definitely use the card for those. You should also take advantage of the six-month 0% introductory APR for eligible booking purchases with carnival cruise lines. Just divide the full cost into six payments to avoid paying interest.

The welcome offer is easy to earn as well. Make a purchase or balance transfer, and it’s yours. If you know you have a cruise coming up, you can use the card for other spending to ramp up your points. However, if you have higher-earning cards, you could leave money on the table.

Editor's Take

The Carnival® World Mastercard®, like other co-branded cards, is for a small subset of people who take the majority of their vacations with one cruise line. You will get the most value on the card by booking Carnival cruises with the card and then redeeming points for cruise-related statement credits or onboard spending with Carnival. If you’re not a frequent Carnival cruiser or like to try other cruise lines, you might be better served by a general travel rewards card with bonus rewards in everyday spending categories.

Dawn PapandreaContributor

After you make your first purchase or balance transfer with the Carnival® World Mastercard®, you will earn 20,000 bonus points.

With the Carnival® World Mastercard®, you will earn two points per dollar spent with Carnival Cruise Lines and brands of the World’s Leading Cruise Lines and one point per dollar on all other purchases. After you make your first purchase or balance transfer, you will earn 20,000 bonus points.

Redemptions toward statement credits on eligible Carnival purchases and onboard amenities offer the best values. You can also redeem points for gift cards or merchandise or travel redemptions for airfare, hotels or car rentals.

Princess Cruises Rewards Visa® Card

Princess Cruises Rewards Visa® Card

Terms Apply

Annual Fee
$0
Regular APR
20.24%, 26.24%, or 29.99% variable based on your creditworthiness
Rewards
2X Points per dollar spent on all Princess purchases
Read More

The information for the Princess Cruises Rewards Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

Bank of America Norwegian Cruise Line® World Mastercard®

Bank of America Norwegian Cruise Line® World Mastercard®

Terms Apply

Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR
Intro Offer
Earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise
Rewards
3X Points per dollar spent on Norwegian purchases
Read More

The information for the Bank of America Norwegian Cruise Line® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

The information for the Princess Cruises Rewards Visa® Card and the Bank of America Norwegian Cruise Line® World Mastercard® have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Balance Transfer Credit Cards
Princess Cruises Rewards Visa® Card

Terms Apply

More Info
Read More

The information for the Princess Cruises Rewards Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Princess Cruises Rewards Visa® Card

The Princess Cruises Rewards Visa® Card is another card with no annual fee to help cruisers — it just depends on which cruise line you prefer. The rewards rate is comparable to the Carnival® World Mastercard®, with an unlimited two points per dollar spent on Princess purchases and one point per dollar on all other purchases. New cardholders receive a 10,000-point sign-up bonus with the Princess Cruises Rewards Visa® Card after spending $500 within 90 days of opening an account. This is a lower bonus with a higher requirement than the Carnival® World Mastercard®. Both cards offer additional benefits, including no foreign transaction fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Blue Delta SkyMiles Credit Card from American Express
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Delta SkyMiles® Blue American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Blue American Express Card

The Delta SkyMiles® Blue American Express Card is a decent traveling companion with a modest mileage reward structure and no foreign transaction or annual fees.

Credit Needed

Good, Excellent

Annual Fee

$0

Intro Offer

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Rewards Rate

2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.

Pros

  • This card has a $0 annual fee and no foreign transaction fees.

  • The spending requirement for the introductory bonus is easy to achieve.

  • Cardholders get purchase protection, extended warranty and car rental loss and damage insurance.

Cons

  • There are only two bonus rewards categories.

  • Miles can only be redeemed with Delta and its partners.

  • You’ll pay a potentially high APR if you carry a balance.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Delta SkyMiles® Blue American Express Card can be a valuable card for restaurant spending and travel, especially since it has a $0 annual fee, but other travel cards offer broader rewards categories. The annual percentage rate ranges from 20.24% to 29.24% variable. If you usually carry a balance, this may not be the card for you. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededGood, Excellent
  • Annual Fee$0
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Are a frequent traveler with Delta.
  • Spend a lot at restaurants.
  • Want a travel card with no annual fee.

The Delta SkyMiles® Blue American Express Card is a good entry-level card to try out if you love flying Delta and want to increase your SkyMiles® earning ability. It will help you earn more SkyMiles® if you use it for restaurant spending and when you book Delta flights. Keep in mind that you’ll also get cardholder benefits, including car rental loss and damage insurance and purchase protection, plus 20% back on qualifying purchases made on Delta-operated flights.

Editor's Take

If you prefer to fly Delta but only travel a couple of times per year, the no-annual-fee Delta SkyMiles® Blue American Express Card is worth checking out. It can help you offset the cost of air travel, especially if you can earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

More frequent Delta flyers may be better served with the next card level up, the Delta SkyMiles® Gold American Express Card. It has a $0 introductory annual fee for the first year, then $150. But cardholder perks such as a free first checked bag can be well worth it. (See Rates & Fees)

Dawn PapandreaContributor

With the Delta SkyMiles® Blue American Express Card, you can earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Use the Delta SkyMiles® Blue American Express Card for all of your restaurant purchases and when you book Delta flights since you earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S. Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases. For other spending, you might be better off using another card that has a base rate higher than the 1 mile per dollar you’ll get on this card.

Also try to earn the welcome offer, which can give you a boost of SkyMiles® to kickstart your airfare savings.

United℠ Explorer Card

United℠ Explorer Card

Terms Apply

Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
21.24% - 28.24% Variable
Intro Offer
Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Rewards
2x Miles on United® purchases, dining, and hotel stays
Apply Now

On Chase's Website.

Terms Apply

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

If you want to offset the cost of airfare with a no-annual-fee travel rewards card but don’t want to commit to a specific airline, consider a general rewards card like the Chase Freedom Unlimited®. Though it’s primarily a cash back card, you can redeem your earnings for travel through the Chase Travel℠ portal. It earns 5% on travel purchased through Chase, 3% on dining and at drugstores and 1.5% cash back on all other purchases.

For rates and fees of the Delta SkyMiles® Blue American Express Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi Secured Mastercard Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Fri Nov 01
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Fri Nov 01, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi® Secured Mastercard®

Terms Apply

The information for the Citi® Secured Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Citi® Secured Mastercard®

This card can help you establish or improve your credit with no annual fee, but it requires a security deposit that will match your credit limit.

Credit Needed

Limited History, No Credit, New-to-Credit

Annual Fee

$0

Intro Offer

N/A

Pros

  • You can be approved for this card with no credit history.

  • The Citi® Secured Mastercard® has an annual fee of $0.

  • Get free online access to your FICO® score.

Cons

  • Your security deposit of $200 to $2,500 will be placed in a collateral holding account for 18 months and will not earn interest during that time.

  • The Citi® Secured Mastercard® has a 26.74% (variable) APR.

  • While other secured cards may offer a rewards program, the Citi® Secured Mastercard® does not.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citi® Secured Mastercard® is a secured credit card designed for people who are new to credit and want to build their credit history. This $0 annual fee card comes with FICO® credit score access and reports monthly to all three major credit bureaus, so you can build credit as long as you pay your bills on time and keep your balance low.

Once you're approved, you have 14 days to provide a security deposit between $200 and $2,500 to open the account. The deposit is the same amount as the credit line you request. Citi will review your account within 18 months to determine whether you’re eligible to have your deposit returned.

  • Issuer NameCiti
  • Credit NeededLimited History, No Credit, New-to-Credit
  • Annual Fee$0
  • Regular APR26.74% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Balance Transfer FeeBalance transfer fee applies with this offer 5% of each balance transfer; $5 minimum
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee3%

Yes, if you:

  • You need to build credit.
  • You can afford at least a $200 security deposit.
  • You plan to pay off the balance monthly and can do without card rewards.

The Citi® Secured Mastercard® is best used for credit building. It’s a good idea to use the card for a small purchase or two each month, then pay your balance in full and on time every statement period. Citi will review your account within 18 months to determine whether you’re eligible to have your deposit returned. At that point, you should consider upgrading to an unsecured credit card if your credit has improved enough to qualify.

Editor's Take

While the Citi® Secured Mastercard® doesn’t earn rewards, it’s a good option for building credit when you don’t have any credit history. But other secured cards may offer faster review periods or earn rewards. For example, the Discover it® Secured Credit Card starts considering your account for an upgrade to an unsecured card at seven months and earns cash back. The Capital One Platinum Secured Credit Card will consider your account for a higher credit line in as little as six months, and your refundable security deposit can be as small as $49 to get a $200 initial credit line

Jessica MerrittContributor

The Citi® Secured Mastercard® doesn’t provide a welcome offer.

The Citi® Secured Mastercard® doesn’t earn rewards.

Discover it® Secured Credit Card

Discover it® Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees. See if you're approved in seconds
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Rewards
1.5% Cash Back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

Like the Citi® Secured Mastercard®, the Discover it® Secured Credit Card can help you build credit responsibly, but you might get upgraded to an unsecured card faster and can earn rewards on purchases with the Discover it® Secured Credit Card. The Discover it® Secured Credit Card offers automatic monthly account reviews after seven months to see if you can upgrade to an unsecured credit card and get your deposit back.

The Discover it® Secured Credit Card lets you earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. At the end of your first year with the card, Discover will match all the cash back you’ve earned at the end of your first year. .

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Discover it Student chrome Review| U.S. News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Discover it® Student Chrome
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Student Chrome

The Discover it® Student Chrome might be a good fit for college students who want to earn cash back rewards while building their credit.

Credit Needed

Fair, New to Credit

Annual Fee

$0

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Rewards Rate

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Pros

  • Discover will match all the cash back you’ve earned at the end of your first year.

  • You can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

  • Offers 0% intro APR for 6 months on purchases.

Cons

  • Has a low base rewards rate of 1%.

  • Caps bonus rewards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Discover it® Student Chrome offers college students the chance to build their credit history while earning rewards. You can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

  • Issuer NameDiscover
  • Credit NeededFair, New to Credit
  • Annual Fee$0
  • Regular APR17.49% - 26.49% Variable APR
  • Purchases Intro APR0% Intro APR for 6 months
  • Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On Discover's Website.

Rates & Fees

Yes, if you:

  • Are a college student looking to build credit.
  • Want to earn rewards for spending at gas stations and restaurants.
  • Can show that you have an income.

Student credit cards are all about building credit and getting used to how credit works. The Discover it® Student Chrome card is a good introduction for students who spend a fair amount at restaurants and on gas, as cardholders can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.

The key is to use the card responsibly by making on-time payments each month and not using too much of your available credit. Payment history and credit utilization are the top two most important factors for your credit score. Take advantage of the credit tools Discover offers as well, including your free FICO® score each month and free Social Security number alerts. These will help you navigate and protect your credit.

Editor's Take

As an entry-level student card, the Discover it® Student Chrome card gives new cardholders a taste of how rewards work. There are higher-earning cards available for students, so whether or not the card is the best fit depends on how much of your spending centers on dining out or filling up your tank.

Dawn PapandreaContributor

Discover will match all the cash back you’ve earned at the end of your first year. So if you earn $50 cash back, on your card anniversary, you’ll get another $50 from Discover. Or you can turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

The card allows you to earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. If you spend a lot in those categories, the card could offer a lot of value. If not, it may be better to get a student credit card that offers a higher rewards rate on all of your purchases.

During the first year, you’ll get the chance to accelerate your rewards through Discover’s Cashback Match program. Discover will match all the cash back you’ve earned at the end of your first year. That essentially gives you a base rewards rate of 2%, and 4% on the first $1,000 spent each quarter on dining and gas.

You can redeem cash back earned with the Discover it® Student Chrome card in any amount and at any time as a statement credit, direct deposit or donation to select charities. You can also use your cash back to pay for purchases at select merchants. And you can redeem your rewards as gift cards, starting at $5.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Student Cash Back
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Student Cash Back

The Discover it® Student Cash Back is another card to consider if you want the opportunity to earn higher bonus rewards, but only certain categories earn 5% each quarter. Discover it® Student Cash Back cardholders earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. And just like the Discover it® Student Chrome card, Discover will match all the cash back you’ve earned at the end of your first year.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Barclaycard Frontier Airlines World Mastercard Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Frontier Airlines World Mastercard®

Terms Apply

The information for the Frontier Airlines World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Frontier Airlines World Mastercard®

This card helps Frontier Airlines frequent flyers earn miles and work through elite status, but there’s an annual fee.

Credit Needed

Good/Excellent

Annual Fee

$89

Intro Offer

Earn 40,000 bonus miles after you spend $500 and pay the annual fee in full within the first 90 days of opening an account. You can also earn 20,000 miles after spending $2,000 in the first six months.

Rewards Rate

5X Miles on eligible purchases at flyfrontier.com

Pros

  • This card has no foreign transaction fee.

  • There’s a 15-month 0% APR introductory period on balance transfers.

  • You receive a $100 Frontier Airlines flight voucher on your account anniversary if you have spent $2,500 or more during the prior 12 months.

Cons

  • There’s an $89 annual fee.

  • There is no 0% introductory period on purchases.

  • Redemption options are limited to Frontier Airlines.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Frontier Airlines World Mastercard®, issued by Barclays, is a co-branded airline rewards card that offers 5 miles per dollar for FlyFrontier.com purchases, 3 miles per dollar on restaurant purchases and 1 mile per dollar on all other purchases. It has an $89 annual fee. The current APR for purchases and balance transfers is 21.24% to 29.99% variable, based on your creditworthiness. Additional features include priority boarding, and you can earn a $100 Frontier Airlines flight voucher on your account anniversary if you have spent $2,500 or more during the prior 12 months.

  • Issuer NameBarclays
  • Credit NeededGood/Excellent
  • Annual Fee$89
  • Regular APR21.24% to 29.99% variable
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0%

Yes, if you:

  • Fly Frontier Airlines a few times per year.
  • Don’t mind paying an annual fee.
  • Want to earn elite status faster.

In addition to earning miles by using the card for purchases, cardholders who want to move up the status ranks of the loyalty program can get some help from this card. For a limited time, you can earn Elite Gold by spending $3,000 on purchases with the card now through June 2024. Additionally, you will earn 1 qualifying mile with every dollar spent on purchases or by flying Frontier.

Editor's Take

This card’s benefits may not outweigh the annual fee and the limited redemption options for many travelers. But if you are booking several flights per year with the carrier, then the Frontier Airlines World Mastercard® can be a good choice for you. The bonus miles on flights and on dining are strong, and the card can help you earn elite status a bit faster. However, the only flight-related perk you’ll get is priority boarding.

Dawn PapandreaContributor

Earn 40,000 bonus miles after you spend $500 and pay the annual fee in full within the first 90 days of opening an account. You can also earn 20,000 miles after spending $2,000 in the first six months.

Since you receive 5 miles per dollar for FlyFrontier.com purchases, the best way to maximize your rewards is to use the cards for Frontier flights. You’ll also get 3 miles per dollar on restaurant purchases. Also, make sure to spend at least $500 in the first 90 days of account opening and pay the annual fee to earn your 50,000-mile sign-up bonus. You can also earn 20,000 miles after spending $2,000 in the first six months.

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards
2X Miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

Terms Apply

Annual Fee
$69
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
Rewards
2X points on Southwest® purchases.
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

If you want a more flexible travel rewards card, the Chase Sapphire Preferred® Card is more versatile than the Frontier Airlines World Mastercard® and has a $95 annual fee. Cardholders of the Chase Sapphire Preferred® Card can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. New cardholders of the Chase Sapphire Preferred® Card can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You’ll also get cardholder benefits, including purchase protection, extended warranty coverage and travel and emergency assistance services.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Barclays JetBlue Business Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

JetBlue Business Card

Terms Apply

The information for the JetBlue Business Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

JetBlue Business Card

For frequent JetBlue business travel, the JetBlue Business Card offers free checked bags, in-flight discounts, and a strong welcome offer – but there is an annual fee.

Annual Fee

$99

Intro Offer

Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days. Plus, earn 10,000 bonus points when a purchase is made on an employee card in the first 90 days.

Rewards Rate

6X Points on JetBlue purchases

Pros

  • The free checked bag for you and up to three companions on the same reservation can save $280 or more.

  • Cardholders get 50% savings on eligible in-flight food and drink purchases.

  • There are no foreign transaction fees.

Cons

  • There is a $99 annual fee for the JetBlue Business Card.

  • The JetBlue Business Card does not offer a 0% introductory APR on purchases or balance transfers.

  • You cannot redeem points for statement credits or other types of travel, only for JetBlue flights.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The JetBlue Business Card is an airline co-branded business travel credit card designed for business owners who frequently fly with JetBlue. It earns six points per dollar on JetBlue purchases, two points per dollar at restaurants and office supply stores and one point per dollar on all other purchases. The card has a 50,000-point sign-up bonus when you spend $4,000 on purchases in the first 90 days. You'll earn an additional 10,000 points when a purchase is made on an employee card in the same period. Cardholder benefits include a free checked bag for you and up to three companions on the same reservation, 50% in-flight savings and no foreign transaction fees. The card has an annual fee of $99.

  • Issuer NameBarclays
  • Annual Fee$99
  • Regular APR20.74% or 29.74%, based on your creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Are a business owner who prefers JetBlue for your business travel.
  • Plan to take advantage of free checked bags and in-flight discounts.
  • Are not looking for redemption flexibility.

Book all your JetBlue flights using the JetBlue Business Card, and pay with the card at restaurants and office supply stores to get the bonus points on that spend. For all other spending, consider adding another business card to your arsenal that either has a higher base rate or rewards other high-spending categories you may have. Try to add at least one employee card and make a purchase with it in the first 90 days to score an additional welcome bonus worth 10,000 points and to increase your earning potential moving forward.

Editor's Take

If you’re a business traveler who usually checks a bag and enjoys an in-flight snack when you fly JetBlue, cashing in on this card’s freebies and discounts can make the annual fee worthwhile. The welcome bonus is strong, so try to time the card opening when you need to make a large purchase. As with most airline cards, this one only makes sense if you frequently fly with JetBlue, very rarely fly other airlines and can pay your card balance in full each month to avoid interest charges.

Dawn PapandreaContributor

Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days. Plus, earn 10,000 bonus points when a purchase is made on an employee card in the first 90 days.

You’ll earn the most points with the JetBlue Business Card when you use your card to earn six points per dollar on JetBlue purchases. The card also earns two points per dollar on purchases at restaurants and office supply stores and one point per dollar on all other purchases. You can earn 50,000 bonus points when you spend $4,000 on purchases in the first 90 days. You'll earn an additional 10,000 points when a purchase is made on an employee card in the same period. You'll receive 5,000 bonus points every year on your account anniversary.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Terms Apply

Annual Fee
$99
Regular APR
21.49%-28.49% Variable
Intro Offer
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Rewards
3X points on Southwest® purchases.
Read More

The information for the Southwest Rapid Rewards® Premier Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Ink Business Preferred® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Preferred® Credit Card

If you’re seeking a more flexible business travel rewards card, the Ink Business Preferred® Credit Card has a $95 annual fee comparable to the JetBlue Business Card’s $99 annual fee and offers a lot of value. You’ll earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. The welcome offer is also impressive: earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

You’ll have various redemption options, so you’re not tied into one airline’s loyalty program. However, Chase Travel points transfer 1:1 to JetBlue TrueBlue points. While you get good travel protections and other perks with the Ink Business Preferred® Credit Card, you will miss out on the free checked bags and in-flight credits that the JetBlue Business Card has. Both cards have no foreign transaction fee.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Amex EveryDay Preferred Credit Card from American Express Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Whitney Blair Wyckoff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Amex EveryDay® Preferred Credit Card

Terms Apply

The information for the Amex EveryDay® Preferred Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Amex EveryDay® Preferred Credit Card

Earn rewards on everyday purchases, and get extra points when you make 30 or more purchases each billing period.

Annual Fee

$95

Intro Offer

When you spend $2,000 within the first six months, you’ll earn 15,000 bonus points

Rewards Rate

3X Points per dollar at U.S. supermarkets on up to $6,000 in purchases per year

Pros

  • Earns three points per dollar at U.S. supermarkets.

  • Boosts your rewards by 50% when you make 30 or more purchases in a billing period.

  • Offers a 12-month 0% introductory APR on purchases and balance transfers.

Cons

  • There’s a $95 annual fee.

  • You can only earn three points per dollar at U.S. supermarkets on the first $6,000 annually.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Amex EveryDay Preferred Credit Card is closed to new applicants. Existing cardholders may continue to use their cards.

The Amex EveryDay® Preferred Credit Card from American Express is a rewards credit card. It offers three points per dollar at U.S. supermarkets on up to $6,000 in annual purchases (one point per dollar after that), two points per dollar on AmexTravel.com purchases and at U.S. gas stations, and one point per dollar on all other purchases. When you make 30 or more purchases with your card in a billing period (excluding returns and other credits), you will earn 50% extra points. When you spend $2,000 within the first six months, you’ll earn 15,000 in bonus points.

For the first 12 months, there is a 0% introductory APR on purchases and balance transfers, then the APR is 18.24% to 28.24% variable. The card offers benefits, including car rental loss and damage insurance, a Global Assist hotline for emergencies, and purchase return protection.

  • Issuer NameAmerican Express
  • Annual Fee$95
  • Regular APR18.24% to 28.24% variable
  • Penalty APR29.24% Variable
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee2.7% of each transaction after conversion to US dollars

Yes, if you:

  • Frequently spend money on groceries and gas.
  • Make 30 or more purchases each month.
  • Could use 12 months of 0% introductory APR on purchases and balance transfers.

The Amex EveryDay® Preferred Credit Card earns 50% more rewards by making at least 30 purchases each billing cycle, so it’s a good idea to use this card if you make that many purchases – even if those purchases are small.

While rewards are a major feature of the Amex EveryDay® Preferred Credit Card, the 12-month 0% introductory APR on purchases and balance transfers can be helpful, too. That could make it easier to pay off a large purchase or high-interest balance from another card without paying interest. Just make sure you pay your balance in full before interest applies.

Editor's Take

You can earn solid rewards on everyday purchases with the Amex EveryDay® Preferred Credit Card, especially if you make at least 30 purchases each billing cycle. However, since the Amex EveryDay® Preferred Credit Card only earns three points per dollar at U.S. supermarkets on the first $6,000 spent annually, you should use another rewards card after you meet that threshold if you want to earn the most from your grocery purchases.

Jessica MerrittContributor

When you spend $2,000 within the first six months, you’ll earn 15,000 bonus points.

Earning the 15,000-point welcome offer is the first way to maximize rewards with the Amex EveryDay® Preferred Credit Card. You’ll need to spend $2,000 within the first six months to earn the welcome offer.

Each billing cycle, you can earn 50% more rewards by making at least 30 purchases. If you make that many purchases in a billing cycle, it's a good idea to use this card to get the bonus points. Keep in mind even small purchases count toward your 30 transactions.

Beyond the welcome offer and monthly 50% bonus, you can earn three points per dollar at U.S. supermarkets on up to $6,000 in annual purchases (one point per dollar after that), two points per dollar on AmexTravel.com purchases and at U.S. gas stations, and one point per dollar on all other purchases. Points can be redeemed through the Membership Rewards program to pay for eligible purchases, book travel, or transfer to air and hotel partners.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
Rates and Fees

Terms Apply

Annual Fee
$0 intro annual fee for the first year, then $95.
Regular APR
18.49% - 29.49% Variable
Intro Offer
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Rewards
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

Citi Double Cash® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards
2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Preferred® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Preferred® Card from American Express

If you’d prefer to earn cash back rather than American Express Membership Rewards, the Blue Cash Preferred® Card from American Express offers cash back as well as rewards and benefits similar to the Amex EveryDay® Preferred Credit Card. With the Blue Cash Preferred® Card from American Express, you’ll earn 6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), so this card could be a good choice to pair with the Amex EveryDay® Preferred Credit Card if you’ll hit the $6,000 spending threshold within a year.

The Blue Cash Preferred® Card from American Express also earns 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. You’ll earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. There’s a $0 intro annual fee for the first year, then $95. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Ink Business Cash Credit Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

This card offers cash back rewards on eligible purchases and has no annual fee, but big business spenders are limited by the bonus earning cap.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Rewards Rate

5% Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

Pros

  • Earns up to 5% cash back.

  • Offers a large introductory bonus.

  • New cardholders get a 0% Intro APR on Purchases for 12 months. After that, the APR can range from 17.74% to 25.74% variable.

  • Charges a $0 annual fee.

Cons

  • Has a cap on bonus rewards rates.

  • Offers a low base rewards rate.

  • Charges a potentially high APR.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Ink Business Cash® Credit Card can be valuable for business owners who focus their spending on the card’s bonus categories. New cardholders can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You’ll also earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year and 1% cash back on everything else.

New cardholders get a 0% Intro APR on Purchases for 12 months. After that, the APR can range from 17.74% to 25.74% variable, depending on your creditworthiness. The card doesn’t charge an annual fee.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.74% - 25.74% Variable
  • Penalty APRUp to 29.99%
  • Purchases Intro APR0% Intro APR on Purchases for 12 months
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee3% of each transaction in U.S. dollars
Apply Now

On Chase's Website.

Yes, if you:

  • Are a business owner whose spending aligns with the card’s bonus categories.
  • Need to finance a large expense.
  • Spend a lot on the card’s bonus categories, but not more than the earnings cap.

If you also have the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you may be able to squeeze even more value out of your rewards points. Chase allows you to transfer your rewards earned with the Ink Business Cash® Credit Card to any of these cards to gain access to more redemption options.

With Ink Business Preferred® Credit Card and Chase Sapphire Preferred® Card, for instance, you’ll get 25% more value if you use your points to book travel through Chase. Chase Sapphire Reserve® gives you 50% more value when redeeming points this way. All three cards allow you to transfer points to any of Chase’s airline and hotel partners, which can help you maximize the value of your rewards.

The card’s rental car insurance offers primary coverage, which means you don’t need to file a claim with your personal insurance policy before your card’s coverage kicks in. But you need to use the car for business purposes to get the coverage.

You’ll also get purchase protection worth up to $10,000 per claim for items lost or damaged within 120 days of purchase. If you buy an item with a warranty of three years or less, you can get an extra year’s worth of warranty protection. Plus, the card offers roadside dispatch and travel and emergency assistance services.

Editor's Take

The Ink Business Cash® Credit Card can be valuable if your business spending aligns with the card’s bonus categories and you can save with the card’s benefits. But if your company’s everyday expenses don’t match up with the card’s bonus categories, you’ll only earn a mediocre 1% back on most of your purchases. Also, the card’s ongoing APR can be high, so it’s best to avoid this card if you’ll carry a balance past the 0% introductory period.

Dawn PapandreaContributor

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening..

On everyday spending, you’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

For example, if you spend $300 per month on internet, cable and phone services, you’ll earn $180 in cash back over the course of a year on those purchases alone. Add in expenses from office supply stores as well as at gas stations and restaurants, and you can easily rack up hundreds of dollars in cash back every year without an annual fee to hold you back.

The Ink Business Cash® Credit Card offers a few redemption options, including cash back as a statement credit or direct deposit, gift cards, travel and shopping with points on Amazon.com. If you redeem your rewards for cash back, gift cards or travel, you’ll get 1 cent per point. If you use your points to shop on Amazon, however, they’re worth only 0.8 cents apiece. You can also transfer your rewards to premium Chase cards, including the Ink Business Cash® Credit Card, Chase Sapphire Preferred® Card or Chase Sapphire Reserve® to get additional redemption options.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
The American Express Blue Business Cash™ Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The American Express Blue Business Cash™ Card

If you’re interested in a business credit card with no annual fee that earns cash back, The American Express Blue Business Cash™ Card is another option to consider depending on your business spending habits. The American Express Blue Business Cash™ Card has a simpler structure than the Ink Business Cash® Credit Card, as cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Ink Business Premier℠ Credit Card | Credit Cards | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Ink Business Premier® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Premier® Credit Card

You might be able to earn big rewards if you have large expenses, but you won't be able to transfer points and you will need to plan to pay off your monthly balance.

Credit Needed

Good, Excellent

Annual Fee

$195

Intro Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Rewards Rate

2.5% total cash back on purchases of $5,000 or more

Pros

  • The welcome offer of $1,000 is higher than many cash back cards.

  • While you must pay your balance each month, this card has a feature that allows qualifying purchases to be paid over time with interest.

  • There’s no foreign transaction fee on this card.

Cons

  • Cardholders pay a $195 annual fee.

  • You cannot transfer points from the Ink Business Premier® Credit Card to another Chase card or to airline and hotel partners.

  • The Pay in Full structure might be challenging for some cardholders.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Ink Business Premier® Credit Card could be a big earner for business owners with considerable expenses, but you have to pay the balance in full each month, though certain purchases can be paid over time. Cardholders receive 5% cash back on purchases made using Chase Travel and on Lyft rides (through March 2025), plus earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. You can also take advantage of a generous welcome offer to earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

The card comes with extended warranty coverage, cellphone protection, roadside dispatch, trip cancellation and interruption insurance and zero fraud liability. You won't pay extra for employee cards and can monitor spending by setting up purchase alerts and spending limits. There is a $195 annual fee to use this card.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$195
  • Regular APRFlex for Business APR: 18.74% - 26.74% Variable
  • Penalty APRNONE
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Don't mind the annual fee.
  • Frequently make purchases of at least $5,000.
  • Do not intend to transfer points.

The main goal with this card is to pay in full each month and try not to rely on the “Flex for Business” feature, which has a flex for business APR: 18.74% to 26.74% variable. Once you start paying interest, it can take away from any rewards you earn, especially considering it costs $195 per year to carry the card. To boost your earnings, you can provide cards to employees who make business purchases at no extra charge.

Editor's Take

Big business spenders can get a lot of value out of this card thanks to its flat rate of 2% cash back on all other business purchases and 2.5% back on bigger purchases of $5,000 or more. However, it’s not ideal if you are trying to maximize the Chase Travel program since no points transfer is allowed. If you tend to have fewer business expenses, you may want to opt for a no-annual-fee rewards card instead.

Dawn PapandreaContributor

New cardholders can earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

Use the card for everyday business spending to accrue points. Cardholders get 5% cash back on Lyft rides, plus earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Also, aim to earn the welcome offer of $1,000 cash back after you spend $10,000 on purchases in the first 3 months from account opening.

When you're ready to redeem your points, you can use any amount at any time for cash back rewards or options such as gift cards, travel bookings and more through Chase Travel. Rewards do not expire as long as your account is open. However, points earned on the Ink Business Premier® Credit Card are not transferable.

The information for the Capital One® Spark® Cash Select for Business has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

If your business spending is at a more moderate level, you may want a more traditional business cash back credit card with a revolving line without an annual fee. If that’s the case, consider the Ink Business Cash® Credit Card. You’ll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Cardholders of the Ink Business Cash® Credit Card can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. On top of that, if you also have a Chase Business Checking account, on your first card anniversary, you'll earn a one-time 10% bonus of all eligible cash back earned in your first year. One additional perk: the card’s 0% intro APR on purchases for 12 months. After that, a 17.74% to 25.74% variable APR applies.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Wyndham Rewards® Earner℠ Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Wyndham Rewards® Earner℠ Card

Terms Apply

More Info

The information for the Wyndham Rewards® Earner℠ Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Wyndham Rewards® Earner℠ Card

The Wyndham Rewards® Earner℠ Card’s welcome offer and rewards program can make it a good pick for Wyndham loyalists.

Annual Fee

$0

Intro Offer

After you spend $2,000 in the first six months, you will earn 75,000 bonus points, which is enough for up to 10 free nights.

Rewards Rate

5X Points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases.

Pros

  • While the card is geared toward saving on Wyndham stays, there is redemption flexibility, with choices including gift cards and points transfers.

  • The Wyndham Rewards® Earner℠ Card has no annual or foreign transaction fees.

  • Cardholders get automatic Wyndham Rewards Gold member level status, which offers free Wi-Fi, preferred room selection, late checkout and more

Cons

  • The card has a potentially high APR, a variable APR of 20.99%, 25.24% or 29.99% based on your creditworthiness.

  • This card provides a 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Wyndham Rewards® Earner℠ Card is a travel rewards credit card designed for people who frequently stay at Wyndham hotels and resorts. The card earns five points per dollar spent on eligible Wyndham and gas purchases, two points per dollar on groceries and dining, and Not Applicable. After you spend $2,000 in the first six months, you will earn 75,000 bonus points, which is enough for up to 10 free nights.

Enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, the APR is a variable APR of 20.99%, 25.24% or 29.99% based on your creditworthiness. The card has no annual fee and comes with complimentary Gold status, which offers free Wi-Fi, preferred room selection, late checkout and more. You’ll earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases, which is enough for up to one free night every year.

  • Issuer NameBarclays
  • Annual Fee$0
  • Regular APRVariable APR of 20.99%, 25.24% or 29.99% based on your creditworthiness
  • Penalty APRNone
  • Purchases Intro APR0% introductory APR for 15 months on balance transfers made within 45 days of account opening.
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Stay frequently at Wyndham properties and want to save.
  • Want a no-annual-fee card with bonus earning categories.
  • Will pay your balance each month to avoid paying high interest charges.

To get the most from this card, earn the welcome offer for some easy free nights, then make it your go-to gas card and for when you’re booking stays with Wyndham. You can also earn bonus points on groceries and dining, but you might be better off using another card that earns more than two points per dollar in those categories if you spend a lot on those purchases.

Editor's Take

Co-branded hotel cards usually have limited value since they are tied into the hotel chain’s loyalty program, but the Wyndham Rewards® Earner℠ Card is a bit more well-rounded. With no annual fee and a generous welcome offer, the card may be worth a try. Plus, it earns rewards in everyday spending categories, and you can redeem points in several ways if you don’t anticipate any upcoming trips for a while. If you travel more frequently, consider upgrading to the next level up, the Wyndham Rewards® Earner+ Card, for automatic Platinum status and bigger rewards potential.

Dawn PapandreaContributor

After you spend $2,000 in the first six months, you will earn 75,000 bonus points, which is enough for up to 10 free nights.

The Wyndham Rewards® Earner℠ Card earns five points per dollar spent on eligible Wyndham and gas purchases, so you should use this card when staying at Wyndham properties to earn bonus points. You'll also earn two points per dollar on groceries and dining, and Not Applicable. After you spend $2,000 in the first six months, you will earn 75,000 bonus points, which is enough for up to 10 free nights. The card offers 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
IHG One Rewards Traveler Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

IHG One Rewards Traveler Credit Card

If you’re not committed to Wyndham but want to join a hotel loyalty program and get a corresponding credit card, the no-annual-fee IHG One Rewards Traveler Credit Card from Chase has strong earning potential. You’ll earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases. Perks include getting a fourth night free when you redeem points for a consecutive four-night IHG hotel stay and an annual 10,000 bonus points after spending $10,000. The welcome offer offers cardholders the ability to earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PenFed Gold Visa Card 2024 review | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PenFed Gold Visa® Card
Rates and Fees

Terms Apply

The information for PenFed Gold Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

PenFed Gold Visa® Card

This card’s best feature is its 0% introductory annual percentage rate on purchases or balance transfers for 15 months. There are no opportunities to earn ongoing cash back rewards.

Credit Needed

Excellent, Good

Annual Fee

$0

Pros

  • There’s no annual fee and no foreign transaction fee.

  • After the promotional period, the card has a lower than average APR of 17.99%.

  • New cardholders get a 0% introductory annual percentage rate on purchases or balance transfers for 15 months after opening the account.

Cons

  • You won’t earn any cash back rewards with this card, and there’s no sign-up bonus.

  • You must become a PenFed member to get this credit card.

  • If you do transfer a balance, you’ll lose out on the 0% purchase APR offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The PenFed Gold Visa® Card is a no-annual-fee card that comes with a 0% introductory annual percentage rate on purchases or balance transfers for 15 months. There are no foreign transaction fees.

This card is a good option for anyone looking to fund a large purchase and pay it off over a year or more without racking up interest charges. Alternatively, you can take advantage of the balance transfer offer to pay down any outstanding credit card debt as long as you make the transfer within 90 days of opening an account. If you pay your wireless bill with the card, you’ll get up to $1,000 in annual cellphone protection coverage. However, this card doesn’t come with a sign-up bonus or any cash back rewards.

  • Issuer NamePenFed
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.99%
  • Penalty APR17.99% Variable APR
  • Purchases Intro APR17.99% Variable APR
  • Balance Transfer Fee3% per transaction

Yes, if you:

  • Do not need cash back or travel rewards.
  • Need more than a year to pay off a large purchase without getting charged interest. 
  • Want to do a balance transfer to pay off credit card debt.

Use the PenFed Gold Visa® Card to save on interest for a large purchase or a balance you transfer from another card – but not both. That’s because once you transfer a balance, the regular APR for purchases will kick in during any months that you don’t pay your full balance (including the balance transfer amount) by the due date.

Editor's Take

Though the PenFed Gold Visa® Card doesn’t offer any rewards, it might be a good strategy to use the card to pay your monthly wireless bill with the card. When you do so, you’ll get up to $1,000 in annual cellphone protection if your phone is damaged or stolen. The other plus is that the regular interest rate is lower than most cards out there, so it can help you save if you’re someone who revolves balances. Ultimately, there are better cards out there that offer promotional 0% APR periods and earn rewards, so it may be worth shopping around.

Dawn PapandreaContributor

This card does not have a welcome offer.

The PenFed Gold Visa® Card doesn’t come with a sign-up bonus or any cash back rewards, so there aren’t any opportunities to earn ongoing rewards. It does offer some cardholder discounts for select products and services, so make sure to check the PenFed member discount page. The card also comes with travel accident coverage and roadside dispatch service.

This card’s best feature is its 0% introductory annual percentage rate on purchases or balance transfers for 15 months and a low 17.99% APR thereafter. So rather than helping you earn rewards, it can help you save on interest.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers an intro APR of 0% on balance transfers and 0% on purchases for 15 months from the date of account opening. Cardholders also get 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.

The Blue Cash Everyday® Card from American Express has a higher regular APR of 18.49% to 29.49% variable once the promotional period ends, however, and it charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Apple Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Apple Card

Terms Apply

The information for the Apple Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Apple Card

The Apple Card offers cash back that may be especially valuable for Apple Pay users.

Annual Fee

$0

Rewards Rate

3% Cash back on everything you buy from Apple

Pros

  • Apple Card holders earn 3% cash back on Apple purchases and Apple Pay purchases made at select businesses, 2% back on purchases made using Apple Pay and 1% back when you use your physical Apple Card.

  • The cash back earned with the Apple Card is deposited every day into your Daily Cash in the Wallet app, so it's easy to redeem rewards when making purchases with an iPhone.

  • The Apple Card charges no fees, so cardholders don't have to worry about an annual fee, foreign transaction fee or penalty fees.

Cons

  • The Apple Card doesn't offer purchase protection, extended warranty coverage or other benefits that are common among rewards cards.

  • There's no sign-up bonus for new cardholders.

  • You won't get a 0% introductory APR on purchases or balance transfers.

  • The highest cash back tier of 3% is limited to select merchants, and offers may change at any time.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Apple Card is issued by Goldman Sachs Bank USA and earns cash back on every purchase. Cardholders earn 3% cash back on Apple purchases and Apple Pay purchases made at select businesses, 2% back on all other Apple Pay purchases and 1% back when you use your physical Apple Card.

Cash back is automatically added to your Daily Cash balance in the Wallet app, and it can be used anywhere you use Apple Pay, sent to recipients through iMessage or transferred to a bank account. The card charges no fees, though it does charge interest with an annual percentage rate of 19.24% to 29.49% variable.

  • Issuer NameGoldman Sachs Bank USA
  • Annual Fee$0
  • Regular APR19.24% - 29.49% Variable
  • Penalty APRNone

Yes, if you:

  • Use Apple Pay.
  • Prefer no fees and simple rewards.
  • Want same-day access to the cash back you earn.

With your Apple Card loaded onto Apple Pay, you can earn at least 2% cash back any time you use Apple Pay to make a purchase. But the card only earns 1% cash back if you’re not using Apple Pay, so it's best to use a different card if you can’t use Apple Pay.

For example, you could pair the Apple Card with the Citi Double Cash® Card, which allows you to earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. That way, you'll always earn at least 2% back on your purchases whether you’re using Apple Pay with the Apple Card or the Citi Double Cash® Card.

You can quickly access cash back you've earned with daily cash back deposits to your Daily Cash in the Wallet app. You can use your cash back for Apple Pay purchases, send it to contacts, get a statement credit or deposit it in a bank account.

Editor's Take

The Apple Card is a convenient and easy-to-use option for Apple loyalists who want to earn cash back while using Apple Pay. A 3% cash back rate on purchases with Apple and select merchants is tough to beat.

Still, the Apple Card isn't your only option for paying with Apple Pay, as many major credit and debit cards are supported in the mobile payment app. You could get the same 2% cash back you'd get from using the Apple Card on Apple Pay from other cards with more broad appeal and better features. For example, the Citi Double Cash® Card lets you earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back, and unlike the Apple Card, offers a sign-up bonus and an introductory APR.

Jessica MerrittContributor

The Apple Card doesn't have a sign-up bonus.

The Apple Card earns its highest rewards rate – 3% cash back – when you use Apple Pay to make a purchase with Apple and other participating merchants. You may also find value in getting 2% cash back when you use Apple Pay to make a purchase with the Apple Card.

Apple Card users with a savings account in Apple Wallet can also choose to send their Daily Cash – where rewards sit – to the savings account to earn a competitive annual percentage yield.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

The Citi Double Cash® Card allows you to earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25, which makes the rewards rate competitive with the Apple Card. But it also has some features the Apple Card doesn’t, including an introductory APR of 0% for 18 months on Balance Transfers on balance transfers. Plus, Citi Double Cash® Card cardholders can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Spark Miles for Business Review | U.S. News
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

This card is a good fit for businesses with large travel expenses, but other cards may offer higher rewards for business purchases like office supplies and phone services.

Credit Needed

Excellent, Good

Annual Fee

$0 intro for first year; $95 after that

Intro Offer

Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening

Rewards Rate

2X Miles per $1 on every purchase, everywhere.

Pros

  • Cardholders earn 2 Miles per $1 on every purchase, everywhere.

  • Generous 50,000 mile sign-up bonus.

  • $120 credit for Global Entry or TSA PreCheck.

Cons

  • Card has an annual fee of $0 intro for first year; $95 after that.

  • High annual percentage rate with no introductory APR offer.

  • No bonus rewards in frequent spending categories for small businesses.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Spark Miles for Business card is a business travel credit card that earns 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 2 Miles per $1 on every purchase, everywhere. Cardholders can earn a one-time bonus of 50,000 miles - equal to $500 in travel, once you spend $4,500 on purchases within 3 months from account opening.

Benefits for cardholders include travel and emergency assistance services and a statement credit of up to $120 every four years as reimbursement for a TSA PreCheck or Global Entry application fee. This card has an annual fee of $0 intro for first year; $95 after that. (See Rates & Fees)

  • Issuer NameCapital One
  • Credit NeededExcellent, Good
  • Annual Fee$0 intro for first year; $95 after that
  • Regular APR25.74% (Variable)
  • Penalty APR34.15% (Variable)
  • Balance Transfer FeeBalance transfers are not available on Spark Miles
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Will spend enough in the first three months to earn the 50,000 bonus miles.
  • Do not need a 0% introductory APR.
  • Spend a considerable amount on business travel.

Cardholders of the Capital One Spark Miles for Business can earn a one-time bonus of 50,000 miles - equal to $500 in travel, once you spend $4,500 on purchases within 3 months from account opening. Make sure you can comfortably spend $1,500 or more per month for the first three months to earn the sign-up bonus. (See Rates & Fees)

With a high variable APR and no introductory period, look for a different business card if you need to finance a big purchase. The Ink Business Cash® Credit Card has a $0 annual fee and new cardholders can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Editor's Take

The Capital One Spark Miles for Business card is a great choice for small businesses looking for a simple travel rewards card. Earning 2 Miles per $1 on every purchase, everywhere, this card makes sense for businesses that spend in a wide array of categories. But other cards may earn greater rewards in bonus categories, so consider supplementing this card with another card that’ll offer you bonus rewards in categories you frequently spend in.

The Ink Business Preferred® Credit Card, for example, offers cardholders the ability to earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Points can be transferred to travel partners or redeemed for cash back or travel. Points are worth 25% more when redeemed for travel through Chase Travel℠.

Austin ColeContributor

Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening.

Using the Capital One Spark Miles for Business card, you’ll earn 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 2 Miles per $1 on every purchase, everywhere. You can earn a one-time bonus of 50,000 miles - equal to $500 in travel, once you spend $4,500 on purchases within 3 months from account opening.

There are two ways to redeem your rewards for travel. Go online to travel.capitalone.com to book your flight, car rental or hotel and use your miles to pay. Or you can book travel using your Capital One Spark Miles for Business card, then sign in to your account and redeem a statement credit for the cost.

Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services. You also have the option to transfer miles to Capital One travel partners. Miles don't expire as long as the account is open.

The information for the Capital One® Spark® Cash Select for Business has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
The Blue Business® Plus Credit Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

The The Blue Business® Plus Credit Card from American Express offers cardholders the ability to earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. Cardholders of The Blue Business® Plus Credit Card from American Express can also earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. It also has an introductory APR offer of 0% on purchases for 12 months from date of account opening. After that, a 17.74% to 25.74% variable APR applies. (See Rates & Fees)

For rates and fees of the Capital One Spark Miles for Business, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD TD Business Solutions Credit Card | U.S. News
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

TD Business Solutions Credit Card

Terms Apply

The information for the TD Business Solutions Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

TD Business Solutions Credit Card

Earn 2% cash back on all purchases with no annual fee.

Annual Fee

$0

Rewards Rate

3% Cash back on phone, internet and cable services

Pros

  • Earn 2% cash back on all purchases.

  • There’s no annual fee.

  • You’ll earn a $250 cash back bonus after spending $1,500 within the first 90 days.

Cons

  • There’s no 0% introductory annual percentage rate on purchases or balance transfers.

  • Other business cards may offer more competitive APRs.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The TD Business Solutions Credit Card from TD Bank is a rewards card designed for small and midsize businesses. The rewards program offers 2% cash back on all purchases. There’s no annual fee or limit on rewards earning. If you spend $1,500 within the first 90 days after opening an account, you can earn a $250 cash back bonus.

Cardholders get Visa benefits, including cellphone protection when you pay your monthly cellphone bill with your card.

  • Issuer NameTD Bank
  • Annual Fee$0
  • Regular APR18.49%, 23.49% or 28.49%
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

Yes, if you:

  • Want to earn
  • Don’t want to pay an annual fee
  • Can earn the sign-up bonus by spending $1,500 within the first 90 days of opening an account

You can start strong with the TD Business Solutions Credit Card by earning the $250 cash back bonus when you spend $1,500 within the first 90 days. You’ll also earn 2% cash back on all purchases. One of the card’s benefits is reimbursement for stolen or damaged cellphones when you use the card to pay your monthly cellphone bill.

This is also a good card to use for protecting bigger business purchases, as it comes with a one-year extended warranty and purchase security. The benefit allows you to replace or repair an item for up to $10,000 per claim within the first 90 days if it’s stolen or damaged.

Editor's Take

The TD Business Solutions Credit Card is a good business card for earning a flat rewards rate. And with no annual fee, this card earns cash back without needing to offset fee costs. However, this card’s maximum APR is on the high side and it has no 0% introductory APR period, so avoid carrying a balance.

Jessica MerrittContributor

New cardholders will earn $250 cash back bonus after spending $1,500 within the first 90 days.

Plan to spend $1,500 within the first 90 days so you can earn the card’s $250 cash back bonus. You should also use the TD Business Solutions Credit Card to earn 2% cash back on all purchases. There’s no limit on the cash back you can earn, and rewards don’t expire as long as your account is open in good standing.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
The Blue Business® Plus Credit Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

Another business card with no annual fee, cardholders of The Blue Business® Plus Credit Card from American Express earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. You’ll earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. This card also offers an introductory 0% on purchases for 12 months from date of account opening. After that, a 17.74% to 25.74% variable APR applies.(See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD My GM Rewards® Mastercard®
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

My GM Rewards® Mastercard®

Terms Apply

More Info

The information for the My GM Rewards® Mastercard® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

My GM Rewards® Mastercard®

If you’re a current GM vehicle owner or plan on getting a GM car or truck, the My GM Rewards® Mastercard® can help you save money on your purchases.

Annual Fee

$0

Intro Offer

Spend $1,000 within the first three months of opening your account, and you’ll earn 15,000 bonus points

Pros

  • $0 annual fee.

  • Earns seven points per dollar with GM and four points per dollar on all other purchases.

  • New cardholders can earn 15,000 bonus points after spending $1,000 in your first three months.

Cons

  • You can only redeem points with GM or as limited cash back.

  • Redemptions for certified pre-owned vehicles are limited to $1,000 in annual rewards value.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Cardholders can earn General Motors rewards with the My GM Rewards® Mastercard®. Cardholders earn seven points per dollar with GM (like vehicle servicing and accessories). All other purchases earn four points per dollar. As a new cardholder, you can earn 15,000 bonus points after spending $1,000 in your first three months.

All those points could help you pay for a GM vehicle purchase, lease or servicing. However, redemptions are limited to GM services and products or up to $250 in statement credits annually.

Cardholders get perks, including a $100 statement credit after spending $1,500 on fuel per calendar year or a $100 statement credit after paying your electric bills with the card for six months. You’ll also get a $50 annual vehicle detailing allowance.

  • Issuer NameMarcus
  • Annual Fee$0
  • Regular APR20.24% to 29.99%
  • Penalty APRNone
  • Purchases Intro APR0% introductory annual percentage rate on purchases for nine months

Yes, if you:

  • Own or plan to buy or lease a GM vehicle. 
  • Often spend on GM services, parts or plans.
  • Prefer to avoid an annual fee.

You’ll need to earn and redeem points with GM to make the most of this card. Ideally, you can use the My GM Rewards® Mastercard® to pay for GM purchases, such as dealership services and parts, then redeem your points for the purchase or lease of a GM vehicle. However, you’ll need to read the fine print. If you’re planning to purchase a used GM vehicle using My GM Rewards® Mastercard® points, it must be a certified pre-owned vehicle, and you can only redeem up to $1,000 in rewards annually for this type of vehicle. You also have the option to redeem your points for GM Financial loan or lease payments.

Plan to earn the 15,000-point sign-up bonus after spending $1,000 in your first three months, and use this card any time you make a purchase with GM to earn the higher tier points.

There’s also a 0% introductory annual percentage rate on purchases for nine months, which can help you save on interest. If you pay off the balance in full before the introductory rate expires, you won’t have to pay interest charges.

Editor's Take

The My GM Rewards® Mastercard® can be valuable if you plan to buy or lease a vehicle from GM. While there are limitations at redemption time, you can earn 15,000 bonus points after spending $1,000 in your first three months. That’s an easy $150 off a vehicle purchase, and you don’t have to pay an annual credit card fee to get it. If you spend money with GM, such as on parts, service, OnStar or GM protection plans, you can earn seven points per dollar that could add up to savings on your next vehicle.

This card can make sense if you’re loyal to GM and generally use a GM dealership for parts and service – especially under a GM protection plan. But it doesn’t add up to savings if you don’t plan to buy or lease a new car with GM or you don’t often spend money with the automaker. For example, if you plan to buy a used GM car and usually take your vehicle to an independent mechanic, you might not get much out of this card.

Jessica MerrittContributor

Spend $1,000 within the first three months of opening your account, and you’ll earn 15,000 bonus points.

Earning the 15,000-point sign-up bonus after spending $1,000 in your first three months can help you quickly earn the equivalent of $150 with GM. You’ll earn seven points per dollar with GM, so it makes sense to use this card for GM purchases, whether you’re paying for a protection plan or parts and service at a dealership. All other purchases earn four points per dollar. With generous earning rates, your points can quickly add up when you use the My GM Rewards® Mastercard®, and points are worth one cent per point when redeeming for new GM vehicles.

When it’s time to redeem your points, you can use them toward a new GM vehicle or lease or on up to $1,000 in rewards value annually for a GM certified pre-owned vehicle. Other redemption options include GM parts and services, plans such as OnStar or GM protection plans and loan or lease payments with GM Financial. If you’d prefer a statement credit, you’re limited to up to $250 in points value annually. Points don’t expire as long as your account remains open and in good standing.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Balance Transfer Credit Cards
Citi Rewards+® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Rewards+® Card

If you’re not loyal to GM, a cash back credit card might be more valuable to you, especially a card that earns bonus cash back on gas purchases. For example, the Citi Rewards+® Card allows cardholders to earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. New cardholders can earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Like the My GM Rewards® Mastercard®, the Citi Rewards+® Card has no annual fee. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Brex Card | U.S. News
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Whitney Blair Wyckoff
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Brex Card

Terms Apply

The information for the Brex Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Brex Card

The Brex Card does not work like a regular business credit card, but it has high rewards potential and no annual fee.

Credit Needed

No Credit Check

Annual Fee

$0

Pros

  • There is no annual fee on the Brex Card.

  • Your payment history is reported to business credit bureaus to help you build business credit.

  • The Brex platform and cards have extensive employee expense account management tools.

Cons

  • Your Brex account may start off as a daily statement account, meaning payment is due every day and automatically withdrawn from your bank account.

  • Foreign transaction fees are set at the discretion of Brex, while other fees are not disclosed until you become a customer.

  • Brex Card information is hard to come by without contacting Brex directly.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Brex Card is a no-annual-fee credit line aimed at startups, mid-sized companies and corporate business owners. It makes the most sense for business owners who use the Brex platform. Cardholders earn seven points per dollar on ride-hailing services, four points per dollar on flights and hotels booked through the Brex travel portal, three points per dollar at restaurants, two points per dollar on eligible recurring software subscriptions, and one point per dollar on all other purchases. The Brex Card works differently than other business cards in that you may start off with a daily statement account, with payments automatically withdrawn from your bank account every day. Over time, you may be switched to monthly payments. There is no interest, but you can’t carry a balance.

  • Issuer NameBrex
  • Credit NeededNo Credit Check
  • Annual Fee$0
  • Penalty APRNone
  • Balance Transfer FeeSee Terms

Yes, if you:

  • Are using other Brex business services.
  • Want to use Brex Card to manage and set limits on employee spending.
  • Are OK with daily payments to start.

The Brex Card is a charge card, so payment is due in full, either daily or monthly, depending on your account. Also, the limit on your Brex Card will update in relation to your cash balances. To get the most out of the card, take advantage of the expense management tools and employee spending controls.

Editor's Take

The Brex Card can make sense if you're unable to get approved for other cards, but there are better options for improving your credit history. If you're struggling with bad credit, you should look for a card you can responsibly use long term with low costs – ideally, with no annual fee.

Opening a credit card and keeping it open indefinitely with on-time payment history is a great way to improve your credit score. But with an annual fee and no appeal beyond fairly easy approval, the Brex Card is not a card you should plan to keep open for years.

While you might hesitate to take on a secured credit card with a security deposit, a security deposit is refundable, while an annual fee is not. If you're struggling to get approved for an unsecured credit card with no annual fee, it could make sense to look for a no-annual-fee secured credit card such as the Capital One Platinum Secured Credit Card. (See Rates & Fees)

Jessica MerrittContributor

The Brex Card does not have a welcome offer.

Use the Brex Card to earn generous bonus rewards across several categories: seven points per dollar on ride-hailing services, four points per dollar on flights and hotels booked through the Brex travel portal, three points per dollar at restaurants, two points per dollar on eligible recurring software subscriptions, and one point per dollar on all other purchases.

Brex points do not expire and can be redeemed in a variety of ways, including gift cards, travel, cryptocurrency, statement credit, cash back, mental health benefits, executive coaching and transfers to travel partners. Redemption rates vary depending on how you redeem your points.

The information for the Capital One® Spark® Cash Select for Business has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Cash® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

If you want more of a traditional credit card experience, the Ink Business Cash® Credit Card from Chase is a no-annual-fee card that allows you to open employee cards and set spending limits. Cardholders earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. The welcome offer is one of the strongest around for a no-fee card at $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD JetBlue Plus Card Review | U.S. News
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

JetBlue Plus Card

Terms Apply

More Info

The information for the JetBlue Plus Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

JetBlue Plus Card

This card is good for JetBlue frequent flyers, enabling you to earn points on JetBlue and everyday purchases.

Credit Needed

Excellent

Annual Fee

$99

Intro Offer

You'll also earn 5,000 bonus points each year after your account anniversary

Rewards Rate

6X Points on JetBlue purchases

Pros

  • You'll earn six points per dollar on JetBlue purchases.

  • When you spend $1,000 on purchases and pay the annual fee in full within the first 90 days, you will earn 50,000 bonus points. You'll also earn 5,000 bonus points each year after your account anniversary.

  • JetBlue Plus Card holders get perks with JetBlue Airways, including a free first checked bag and 50% savings on eligible in-flight purchases.

Cons

  • There is a $99 annual fee.

  • The APR can be as high as 29.99% based on your creditworthiness.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The JetBlue Plus Card is an airline rewards card for frequent flyers of JetBlue Airways. With this card, you will earn six points per dollar on JetBlue purchases, two points per dollar at restaurants and grocery stores and one point per dollar on all other purchases. Spend $1,000 on purchases and pay the annual fee in full within the first 90 days, and you will earn 50,000 bonus points.

New cardholders receive a 12-month 0% introductory annual percentage rate on balance transfers made within 45 days of opening the account. After that, the variable APR on both purchases and balance transfers is 21.24%, 25.24% or 29.99%, based on your creditworthiness. The card comes with benefits, including a free first checked bag and 50% savings on in-flight food and drink purchases.

  • Issuer NameBarclays
  • Credit NeededExcellent
  • Annual Fee$99
  • Regular APR21.24%, 25.24% or 29.99%, based on your creditworthiness
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Frequently fly with JetBlue.
  • Don't mind paying an annual fee to get rewards and airline perks.
  • Can earn the card's sign-up bonus with $1,000 on purchases and pay the annual fee in full within the first 90 days.

The best way to use the JetBlue Plus Card is to book JetBlue flights, since cardholders earn six points per dollar on JetBlue purchases. It's also a good idea to plan your spending so you can earn the sign-up bonus of 50,000 bonus points after you spend $1,000 on purchases and pay the annual fee in full within the first 90 days.

Also, be sure you're not leaving any benefits on the table, as you'll get a free first checked bag and 50% savings on eligible in-flight purchases.

While the JetBlue Plus Card has a 12-month 0% introductory annual percentage rate on balance transfers made within 45 days of opening the account, spending on this card while you're paying off your balance transfer can interfere with your interest savings. We don't recommend using this card's balance transfer offer unless you can avoid making new charges while you pay off your balance. Then you can use the card for purchases once you're done with the balance transfer payments.

Editor's Take

For JetBlue loyalists, the JetBlue Plus Card can offer savings on flights when you redeem points. You'll earn six points per dollar on JetBlue purchases and have the opportunity to earn two points per dollar on purchases at restaurants and eligible grocery stores. The card also offers JetBlue perks, including a free first checked bag and 50% off eligible in-flight purchases.

If you need more flexibility in earning and redeeming travel, the versatile Chase Sapphire Preferred® Card has a $95 annual fee similar to the JetBlue Plus Card. Points earned with the Chase Sapphire Preferred® Card can also transfer to other travel programs, including JetBlue TrueBlue.

Jessica MerrittContributor

You'll earn 50,000 bonus points when you spend $1,000 on purchases and pay the annual fee in full within the first 90 days.

You'll earn the most rewards with the JetBlue Plus Card when you use it to earn six points per dollar on JetBlue purchases. When you open the card, plan to earn the sign-up bonus by spending $1,000 on purchases and pay the annual fee in full within the first 90 days to earn 50,000 bonus points. You'll also earn 5,000 bonus points each year after your account anniversary.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

For a similar $95 annual fee, the Chase Sapphire Preferred® Card provides more rewards earning and redemption flexibility. You can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

New cardholders earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You'll earn slightly more bonus points with this card than you would with the JetBlue Plus Card, but the spending requirement is much higher. Keep that in mind if spending that much within three months would be a stretch for you.

The greatest value of the Chase Sapphire Preferred® Card is in its redemption options, which include travel, cash back, gift cards and paying with points. More importantly, you can redeem your points for 25% more value when you book travel through Chase Travel or transfer your points for potentially greater redemptions with Chase's airline and hotel travel partners – which includes JetBlue.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Spark 2% Cash Plus 2024 Review | U.S. News
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Jessica Merritt
|
Reviewed by Emily Hayes
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Spark Cash Plus
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Cash Plus

The Capital One Spark Cash Plus offers decent rewards for big business spenders.

Credit Needed

Excellent

Annual Fee

$150

Intro Offer

$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

Rewards Rate

2% cash back on every purchase, everywhere-with no limits or category restrictions

Pros

  • Earns a sign-up bonus of $2,000 cash back.

  • Earn 2% Cash Back on every purchase

  • Spend $150,000 annually and Capital One will refund the $150 annual fee every year

Cons

  • You’ll have to spend six figures to make the most of this card.

  • Other business cards may offer better earnings on bonus categories such as gas and telecommunications.

  • There’s a 2.99% late payment fee if you don’t pay your balance in full each statement period.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Spark Cash Plus offers 2% unlimited cash back rewards for all purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. You can earn a one-time sign-up bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. Get the Capital One Spark Cash Plus card’s $150 annual fee refunded each year if you spend $150,000 by your account anniversary date. (See Rates & Fees)

The Capital One Spark Cash Plus offers a flexible spending capacity to accommodate all the purchases you’ll need to make to earn the sign-up bonus and annual fee waiver. There’s no preset spending limit; rather, the amount adapts to your card use and credit profile. But be careful not to spend more than you can pay back because this is a pay-in-full charge card you must pay off each month.

  • Issuer NameCapital One
  • Credit NeededExcellent
  • Annual Fee$150
  • Penalty APRNone
  • Balance Transfer FeeBalance transfers are not available on Spark Cash Plus
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Plan to spend at least $30,000 in the first 3 months
  • Need flexible spending capabilities.
  • Can pay off your balance in full each month.

You’ll get the most out of the Capital One Spark Cash Plus when you meet the spending requirements to earn the sign-up bonus and annual fee waiver. Earn $2,000 Cash Back sign-up once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. Spend $150,000 more during the first year of the card and you won’t have to pay the annual fee.

You can get flexible spending capacity from the Capital One Spark Cash Plus with no preset spending limit. But don’t run away with it, as you’ll have to pay your balance in full each statement period or face a 2.99% late fee. (See Rates & Fees)

Also, plan to take advantage of the card’s features for business management, including free employee cards with customized spending limits. You can assign account managers to make purchases and payments, and you’ll have access to helpful reporting tools, including year-end summaries and purchase records that download into popular accounting software.

Editor's Take

The Capital One Spark Cash Plus is good for businesses that spend enough to earn the sign-up bonus and get an annual fee waiver. Still, there’s value to be had from this card, even if you’re not hitting lofty spending goals.

The card’s 2% Cash Back on every purchase is solid enough to make the card worth it, even if you don’t spend enough to waive the $150 annual fee each year. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Jessica MerrittContributor

Earn the Capital One Spark Cash Plus $2,000 sign-up bonus once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.

Earning a $2,000 cash back bonus is a nice perk, once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year, you should do it. Beyond that, it’s easy to earn 2% Cash Back on every purchase. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Rewards don’t expire as long as your account is open. You can redeem your rewards as cash back with a statement credit or a check. If you’d like to set up automatic redemptions, you can do so at particular intervals in the calendar year or when your rewards reach a specific threshold.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Ink Business Preferred® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card has a slightly lower annual fee of $95, along with an easier-to-achieve sign-up bonus. You’ll earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. The value is nearly identical to the Capital One Spark Cash Plus sign-up bonus, and you can reach it by spending $22,000 less. You’ll earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD U.S. Bank Business Platinum Card 2024 Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

U.S. Bank Business Platinum Card
Rates and Fees

Terms Apply

The information for the U.S. Bank Business Platinum Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

U.S. Bank Business Platinum Card

This business card has no annual fee and a long 0% intro annual percentage rate offer but no rewards or bonuses.

Annual Fee

$0

Pros

  • U.S. Bank Business Platinum Card cardholders can use Visa Spend Clarity, a tool for tracking spending and managing expenses.

  • There is no annual fee on this card.

  • The 18-month 0% APR offer is among the longest you'll find for a business credit card.

Cons

  • This card does not earn cash back or rewards.

  • There is a 3% of each foreign transaction foreign transaction fee.

  • You only have 30 days from card opening to take advantage of the balance transfer 0% APR offer.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The U.S. Bank Business Platinum Card is designed for small business owners who want a business credit card with no annual fee and some interest-free wiggle room to pay for large purchases or regular business expenses. The card has a 0% introductory APR on purchases and balance transfers for 18 billing cycles, which is among the longest you'll find in a business card. After that, a variable APR of 17.99% to 26.99% applies.

Beyond that offer, the card has no rewards program or welcome offer.

  • Issuer NameU.S. Bank
  • Annual Fee$0
  • Regular APR17.99% - 26.99%
  • Penalty APR29.99%
  • Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • Cash Advance FeeEither 5% of the amount of each cash advance, or $10 minimum, whichever is greater.
  • Foreign Transaction Fee3% of each foreign transaction

Yes, if you:

  • Want to take advantage of a 0% intro APR offer.
  • Don't want to pay an annual fee.
  • Aren't interested in earning rewards or cash back.

Use the card in place of a fixed-rate loan to pay for a large business expense or transfer a balance. The best practice is to divide the total owed by 18 (the number of months in the promotional period) and set up automated monthly payments so you don't even have to think about it. In the meantime, for smaller ongoing expenses or for business travel, use a rewards credit card to earn cash back or points.

Editor's Take

The U.S. Bank Business Platinum Card is ideal if you have a large business expense that you know you won't be able to pay off for a while or if you want to make faster progress in paying off an existing card balance. If you don't quite need 18 months, though, you could look for a card that has a shorter introductory APR but also rewards so you can get both short- and long-term benefits.

Dawn PapandreaContributor

The U.S. Bank Business Platinum Card does not have a welcome offer.

U.S. Bank Business Platinum Card does not have a rewards program.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Ink Business Unlimited® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card is another business credit card with a 0% intro APR on purchases for 12 months. After that, the APR is 17.74% to 23.74% variable. However, there is no balance transfer offer, as there is on the U.S. Bank Business Platinum Card. But the Ink Business Unlimited® Credit Card gives cardholders ongoing and unlimited 1.5% cash back rewards. Plus, you can earn a large welcome offer of $750 in cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD The Business Platinum Card from American Express Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

The Business Platinum Card® from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Business Platinum Card® from American Express

This card is made for frequent business travelers who can take advantage of the card’s benefits.

Credit Needed

Excellent, Good

Annual Fee

$695

Intro Offer

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Rewards Rate

5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com

Pros

  • VIP travel benefits, including lounge access, hotel status, rental car privileges and trip protection.

  • Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

  • The $200 airline credit, $199 CLEAR® Plus Credit, and various business credits from partners, including Dell and Adobe, can help offset the $695 annual fee.

Cons

  • The $695 annual fee is among the highest out there.

  • Bonus categories are limited.

  • It’s only for business owners. You’ll need to provide your business information, including your federal tax ID, to apply.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Business Platinum Card® from American Express offers big rewards and benefits along with a hefty annual fee. You’ll need to compare the cost of this card with what you can get from it.

Business owners can use this card to 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. You'll earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Travel benefits are many with The Business Platinum Card® from American Express. Benefits include up to a $200 airline fee credit for expenses such as checked bags and in-flight food and drinks, up to $199 back per year on your CLEAR® membership, hotel and resort perks, global airport lounge access and car rental loss and damage insurance.

But these rewards and benefits don’t come cheaply; the card’s annual fee is $695. If you don’t make the most of benefits or earn enough rewards, this card might not be a good fit for you. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$695
  • Regular APR18.74% - 27.74% Variable
  • Penalty APR29.99% Variable
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Can get enough value from the card to cover the $695 annual fee.
  • Spend a lot on travel or business expenses.
  • Want premium travel benefits.

The key with an elite business travel card is to make sure it’s worth the annual fee. You’ll need a fairly high level of spending to earn the welcome offer, since you'll only earn it after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. It’s best if the card is paid in full each month to avoid interest.

If you’re able to take advantage of the various benefits, such as unlocking annual statement credits on a curation of business purchases and the airline fee credit, that’s a great start. You’ll also want to book your travel via the AmexTravel.com portal to earn five points per dollar spent.

From there, make sure you’re taking advantage of valuable perks and benefits like complimentary access to the American Express Global Lounge Collection® of more than 1,400 airport lounges.

Editor's Take

This card is a good option if your business requires frequent travel. Take some time to do the math, factoring in your typical spending to find out if you can earn enough rewards to make up for the $695 annual fee.

There may be more suitable business credit cards such as the Ink Business Preferred® Credit Card if you want to earn rewards in other categories like office expenses and digital marketing.

Dawn PapandreaContributor

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Cardholders of The Business Platinum Card® from American Express 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

Reward earnings can offset the card’s $695 annual fee. Say you spend about $15,000 on travel each year and book it on American Express Travel. You’d earn $750 in rewards, which is enough to cover your annual fee. (See Rates & Fees)

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

American Express® Business Gold Card

American Express® Business Gold Card
Rates and Fees

Terms Apply

Annual Fee
$375
Regular APR
18.74% - 27.74% Variable
Intro Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Rewards
4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Ink Business Preferred® Credit Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Ink Business Preferred® Credit Card

Another travel business card to consider with a much lower $95 annual fee is the Ink Business Preferred® Credit Card from Chase. You’ll earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. With the exception of the five points per dollar on flights and prepaid hotels on AmExTravel.com, that’s a higher earning rate than the 1.5 points per dollar on eligible business category purchases you’ll get on the Amex card.

The sign-up bonus on the Ink Business Preferred® Credit Card is also very generous: 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Both cards have trip cancellation and interruption insurance, cell phone protection, extended warranty and purchase protection. Where the The Business Platinum Card® from American Express edges out the Ink Business Preferred® Credit Card is its additional benefits, including a fee credit for Global Entry or TSA PreCheck, access to the American Express Global Lounge Collection and up to $200 in qualifying airline fee credits each year.

For rates and fees of The Business Platinum Card® from American Express, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Business Green Rewards Card from American Express Review | US News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Business Green Rewards Card from American Express

Terms Apply

The information for the Business Green Rewards Card from American Express has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Business Green Rewards Card from American Express

The Business Green Rewards Card from American Express offers basic rewards and benefits to business travelers.

Credit Needed

Excellent Credit

Annual Fee

$95

Intro Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases within the first three months of opening an account

Rewards Rate

2X Points for each dollar you spend on eligible purchases at amextravel.com

Pros

  • Employee cards are free and help you earn additional points.

  • Travel benefits include baggage insurance and a Global Assist Hotline for travel emergencies.

  • Cardholders also get purchase protection and extended warranty coverage.

Cons

  • With the Business Green Rewards Card from American Express, you are expected to pay your balance in full every month unless you activate the Pay Over Time feature.

  • The Business Green Rewards Card from American Express charges a 2.7% foreign transaction fee after conversion to U.S. dollars.

  • Bonus rewards categories are limited to select travel booked via AmexTravel.com.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Business Green Rewards Card from American Express is intended for small- to medium-sized businesses. The card earns two points per dollar for qualifying travel purchases on AmexTravel.com and one point per dollar for all other purchases. New Business Green Rewards Card from American Express cardholders earn 15,000 bonus points after making $3,000 in eligible purchases within the first three months of opening an account. There is a $95 annual fee.

  • Issuer NameAmerican Express
  • Credit NeededExcellent Credit
  • Annual Fee$95
  • Regular APR18.99% - 26.99% Variable
  • Penalty APR29.99% Variable
  • Foreign Transaction Fee2.7%

Yes, if you:

  • Plan to pay your balance in full each month.
  • Will book flights and hotels via American Express with the card.
  • Want free employee cards.

The Business Green Rewards Card from American Express offers bonus points when you book travel on AmexTravel.com, so you should take advantage of that. Otherwise, it might make sense to find another business credit card with a higher base rate or multiple bonus categories for other purchase types. Also plan to earn the 15,000-point welcome offer by spending after making $3,000 in eligible purchases within the first three months of opening an account.

Editor's Take

It’s tough to make a case for the Business Green Rewards Card from American Express, given the superior bonus rewards and benefits some other business travel credit cards offer. The only category for bonus rewards is travel booked via AmexTravel.com. You have to pay your balance in full each month except for purchases you designate to “Pay Over Time”, and there’s a foreign transaction fee. Before you pay the $95 annual fee, you may want to explore other business cards in that fee range, which can be far more valuable.

Dawn PapandreaContributor

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases within the first three months of opening an account.

Since you get double points for qualifying AmexTravel.com purchases, you should use your Business Green Rewards Card from American Express when you make travel reservations on the website, including prepaid hotels, flights, prepaid car rentals, vacation packages or cruise reservations.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. Bank Business Leverage® Visa Signature® Card

U.S. Bank Business Leverage® Visa Signature® Card
Rates and Fees

Terms Apply

Annual Fee
$0 annual fee for the first year, $95 thereafter
Regular APR
19.49% to 26.49% Variable APR
Rewards
2% back in the top two categories where you spend the most each month automatically.
Read More

The information for the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

The information for the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

The Capital One Spark Miles for Business card is another small business credit card that lets you earn rewards, but with a better earning potential. There is an annual fee of $0 intro for first year; $95 after that. The welcome bonus is 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening. That’s more valuable than the 15,000 bonus points after making $3,000 in eligible purchases within the first three months of opening an account on the Business Green Rewards Card from American Express.

The rewards are higher with the Capital One Spark Miles for Business card than the Business Green Rewards Card from American Express, as cardholders 2 Miles per $1 on every purchase, everywhere. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. You also have the option to carry a balance with a 25.74% (variable) APR. Capital One Spark Miles for Business card has no foreign transaction fee, while the Business Green Rewards Card from American Express has one at 2.7%. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Upgrade Card | US News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Upgrade Cash Rewards Visa®
Rates and Fees

Terms Apply

More Info
Apply Now

On Upgrade's Website.

Rates and Fees

Terms Apply

Upgrade Cash Rewards Visa®

This card has nontraditional terms, but has no fees, earns rewards and can potentially cost you less in interest.

Credit Needed

Fair

Annual Fee

$0

Intro Offer

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

Rewards Rate

1.5% unlimited cash back on card purchases every time you make a payment.

Pros

  • There are no annual fees and no late fees.

  • The Upgrade Cash Rewards Visa® has an APR of 14.99% to 29.99% variable. The low end is far lower than the minimum APR for the average rewards card.

  • You can earn additional rewards if you activate Upgrade Shopping and shop with participating merchants through your account dashboard.

Cons

  • The Upgrade Cash Rewards Visa® doesn’t advertise the travel or shopping protections available with many similar credit cards.

  • Upgrade Cash Rewards Visa® cardholders don’t have access to a 0% introductory APR on purchases or balance transfers.

  • The welcome offer requires you to open up a Rewards Checking Plus account.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Issued by Cross River Bank, the Upgrade Cash Rewards Visa® is designed for cardholders who want a basic credit card with no fees and a potentially low interest rate. Interest rates range from 14.99% to 29.99% variable, with credit lines ranging from $500 to $25,000. The card is different from a traditional credit card in that each statement period, your transactions are combined into an installment loan with a fixed rate and term; most credit cards have a variable interest rate and minimum monthly payments. Your interest rate could be adjusted on future transactions if there are any changes to your creditworthiness. Cardholders earn 1.5% unlimited cash back on card purchases every time you make a payment.

  • Issuer NameUpgrade
  • Credit NeededFair
  • Annual Fee$0
  • Regular APR14.99% - 29.99% Variable
  • Balance Transfer FeeUp to 5%
  • Foreign Transaction FeeUp to 3%
Apply Now

On Upgrade's Website.

Rates & Fees

Yes, if you:

  • Want to earn unlimited cash back rewards.
  • Don’t want to pay any fees.
  • Are able to make higher monthly payments on unpaid balances.

When using the Upgrade Cash Rewards Visa®, understand it’s different from other credit cards you may be used to, and your payment behavior will impact your approved credit line as you go. For starters, when you make purchases, you’ll get a fixed payment plan – so the minimum payment may be higher than what you might see on a typical credit card. However, this forces you to pay off the principal faster with less interest. Also note that you don’t actually get your card rewards until you make payments on the eligible card purchases.

Editor's Take

The Upgrade Cash Rewards Visa® is a unique product, and when used responsibly it can be a less expensive way to leverage credit than other credit cards – especially if you qualify for the lower end of the annual percentage rate range. That said, you’ll have to get used to the different terms, which combine elements of a fixed loan with a revolving credit line. As for rewards and benefits, the 1.5% rate is decent, but there are better card options out there with bonus earnings and additional perks.

Dawn PapandreaContributor

Cardholders can earn a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*.

With the Upgrade Cash Rewards Visa®, you’ll earn unlimited 1.5% cash back on all eligible purchases, so you can use the card without worrying about tracking specific categories. You’ll receive your earnings once you pay for your purchases.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With Sign-up Bonuses
Discover it® Chrome
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Chrome

The Discover it® Chrome is another cash back rewards credit card. Cardholders earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. Like the Upgrade Cash Rewards Visa®, there is no annual fee. In addition to your cash back earnings, Discover will match all the cash back you’ve earned at the end of your first year. Plus, you’ll get a 0% intro APR for 6 months on purchases, then a 18.49% to 27.49% variable APR applies. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi Rewards Credit Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi Rewards+® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Rewards+® Card

Cardholders can benefit from this card's double rewards for up to $6,000 in annual purchases at gas stations and supermarkets.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Rewards Rate

5X ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

Pros

  • The card automatically rounds every purchase up to the nearest 10 points, and cardholders will receive 10% of redeemed points back on up to 100,000 points per calendar year.

  • With the Citi Rewards+® Card, you'll have access to an introductory APR of 0% for 15 months on purchases on purchases and balance transfers.

  • You'll pay no annual fee with the Citi Rewards+® Card.

Cons

  • Bonus earnings are capped at $6,000 per year in combined supermarket and gas station purchases.

  • There is a 3% foreign transaction fee.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citi Rewards+® Card is a rewards credit card that earns bonus points on everyday purchases. Cardholders earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.

The card automatically rounds every purchase to the nearest 10 points. For example, on purchases that typically earn one point per dollar, a $7 purchase will earn 10 points, and a $22 purchase will earn 30 points. Redemption options include gift cards, statement credits and cash back, and you'll earn 10% of your redeemed points back on up to 100,000 points per calendar year. New cardholders will earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. The 20,000 points are redeemable for $200 in gift cards or travel rewards at thankyou.com.

  • Issuer NameCiti
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.99% - 27.99% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Purchases Intro APR0% for 15 months on Purchases
  • Balance Transfer FeeThere is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee3%
Apply Now

On Citi's Website.

Rates & Fees

Yes, if you:

  • Could use an introductory APR of 0% for 15 months on purchases on purchases and balance transfers. 
  • Want a $0 annual fee. (See Rates & Fees)
  • Spend up to $6,000 a year at supermarkets and gas stations.

Earning the welcome offer and spending up to $6,000 per year in the gas and groceries categories will get you the most value from this card. It might be worth carrying another credit card that has other bonus categories, such as dining or travel, if you spend in those areas as well.

Editor's Take

If you're spending more than $500 per month combined on groceries and gas, then you are better off finding a card that offers uncapped bonus rewards in these categories. Otherwise, the Citi Rewards+® Card could be a solid rewards card to try out, especially with the unique points round-up and 10% points back on redeemed points.

Dawn PapandreaContributor

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

Making purchases at gas stations and supermarkets is the best way to maximize your rewards with the Citi Rewards+® Card, where you'll earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Every purchase automatically rounds up to the nearest 10 points, so a $6 supermarket purchase will earn 20 points. You'll earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Rewards
8% Cash Back on Capital One Entertainment purchases.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Discover it® Miles

Discover it® Miles
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the Miles you’ve earned at the end of your first year.
Rewards
1.5X Miles on every dollar of every purchase
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
Capital One Savor Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Savor Cash Rewards Credit Card

If you're hoping to earn bonus credit card rewards in certain spending categories, the Capital One Savor Cash Rewards Credit Card could be worth considering. It offers 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services. 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). 8% Cash Back on Capital One Entertainment purchases. 1% Cash Back on all other purchases. With the Capital One Savor Cash Rewards Credit Card, you'll earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening, which is comparable to the $200 in value on the Citi Rewards+ Card welcome offer. The Capital One Savor Cash Rewards Credit Card does not charge a foreign transaction fee, while the Citi Rewards+ Card will cost you 3%. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America® Unlimited Cash Rewards Card Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America® Unlimited Cash Rewards credit card
Rates and Fees

Terms Apply

More Info

The information for the Bank of America® Unlimited Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

Bank of America® Unlimited Cash Rewards credit card

The Bank of America® Unlimited Cash Rewards credit card earns consistent cash back with no annual fee, but you may not rack up rewards as quickly as cards with bonus categories.

Credit Needed

Excellent, Good

Annual Fee

$0

Intro Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

1.5x cash back on all purchases

Pros

  • $0 annual fee.

  • The 1.5% unlimited cash back offers an easy way to earn rewards.

  • 0% intro APR for 15 billing cycles for purchases.

Cons

  • There are no bonus categories to earn rewards in.

  • You must be a Bank of America Preferred Rewards member to earn the highest rewards rates.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America® Unlimited Cash Rewards credit card is a rewards credit card that gives you 1.5% cash back on all spending. There is no maximum reward amount, and your rewards never expire. You can redeem your cash back as a statement credit, deposit it into a Bank of America checking or savings account, or apply it to an eligible Merrill account.

You will receive a 0% intro APR for 15 billing cycles for purchases. You will also get a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. The Bank of America® Unlimited Cash Rewards credit card charges a $0 annual fee.

  • Issuer NameBank of America
  • Credit NeededExcellent, Good
  • Annual Fee$0
  • Regular APR17.74% - 27.74% Variable APR
  • Penalty APRup to 29.99% APR
  • Purchases Intro APR0% Intro APR for 15 billing cycles for purchases
  • Balance Transfer Fee3% for 60 days from account opening, then 4%
  • Cash Advance FeeSee Terms
  • Foreign Transaction Fee3% of each transaction in U.S. dollars

Yes, if you:

  • Want to earn straightforward flat-rate cash back.
  • Prefer to avoid an annual fee.
  • Are a Bank of America Preferred Rewards member.

The simple rewards and various redemption options make the Bank of America® Unlimited Cash Rewards credit card straightforward to use. If your normal spending habits allow for it, you can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. You can also take advantage of the card’s 0% introductory APR on purchases and balance transfers for the first 15 months.

Bank of America Preferred Rewards members will get the most out of this card, with the ability to earn anywhere between 25% and 75% in additional cash back depending on your deposit and investing balances with Bank of America and Merrill.

Editor's Take

The Bank of America® Unlimited Cash Rewards credit card is a good choice if you’re seeking a flat-rate cash back rewards credit card. With a $0 annual fee, the card poses little risk to carry and can be helpful for those looking to finance a big purchase with its 15-month introductory APR offer.

Consider pairing the Bank of America® Unlimited Cash Rewards credit card with a card that’ll earn you a higher reward rate in bonus categories you frequently spend in. The Bank of America® Customized Cash Rewards credit card offers 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs.

Austin ColeContributor

Cardholders can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

The Bank of America® Unlimited Cash Rewards credit card earns 1.5% cash back on all purchases with no maximum, so you'll earn rewards no matter your spending habits. Consider whether your regular spending will allow you to unlock the $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

You could increase your cash rewards if you are a Bank of America Preferred Rewards customer. Your Preferred Rewards tier depends on the amount you have deposited in Bank of America and/or Merrill accounts. Being a Preferred Rewards member can unlock you anywhere between an additional 25% to 75% rewards bonus, depending on your tier.

You can redeem your cash back in three ways: Apply it to your credit card statement, deposit it into a Bank of America checking or savings account, or credit it to a qualifying Merrill account, including 529 accounts. While rewards never expire, you won't be able to keep any you haven't used if you or the issuer closes your card.

Citi Rewards+® Card

Citi Rewards+® Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
17.99% - 27.99% (Variable)
Intro Offer
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Rewards
5X ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Best in 0% Introductory APR and Balance Transfer Credit Cards

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.74% - 28.74% Variable APR on purchases and balance transfers
Intro Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards
3% Cash back in the category of your choice
Read More

The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Rates and Fees

Terms Apply

The information for the Bank of America® Customized Cash Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD American Express Platinum Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

The Platinum Card® from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Platinum Card® from American Express

The Platinum Card® from American Express has an excellent rewards program with VIP-level travel perks. Its welcome offer ranks among the best, and statement credits can make the card even more valuable.

Credit Needed

Excellent, Good

Annual Fee

$695

Intro Offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards Rate

5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year

Pros

  • You earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

  • The card offers a number of ways to earn statement credits that can add up to more than $1,500 in annual savings.

  • Cardholders get access to more than 1,400 airport lounges, a credit toward Global Entry or TSA PreCheck expedited screening and hotel status with Marriott and Hilton.

Cons

  • The Platinum Card® from American Express charges a hefty $695 annual fee.

  • Unlike many other rewards cards, The Platinum Card® from American Express does not offer a 0% introductory annual percentage rate.

  • No everyday spending bonus categories, only travel.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Platinum Card® from American Express is designed for frequent travelers. You can earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel with the The Platinum Card® from American Express. The card carries a $695 annual fee. (See Rates & Fees)

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$695
  • Regular APRSee Pay Over Time APR
  • Penalty APRSee Rates & Fees
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Can meet the spending requirement to get the welcome offer.
  • Use the travel perks enough to justify the annual fee.
  • Do a lot of spending on travel – more so than everyday categories – and want to be rewarded for it.

Frequent travelers looking to maximize the rewards earned on their trip-related spending, and who want to enjoy some luxuries like airport lounge access, will appreciate having The Platinum Card® from American Express. Starting with its large welcome offer, the card can bring a lot of value if you travel frequently enough to warrant a card of this level.

You can maximize rewards on nontravel purchases by pairing The Platinum Card® from American Express with a flat-rate rewards or cash back card, or one that prioritizes everyday spending categories like gas and groceries.

Editor's Take

For those who travel (and spend) enough to justify the hefty yearly fee, the card boasts a number of benefits, including the $200 annual airline fee credit for incidental purchases, up to $200 in Uber cash annually, up to $20 a month back on streaming services and up to $300 for an Equinox membership. But if you don't take advantage of them, then The Platinum Card® from American Express isn't worth its $695 annual fee. (See Rates & Fees)

Maximizing the card's value takes some effort in that you’ll have to register and opt in to earn various statement credits or offers, and be willing to use the American Express travel portal to book your trips. For instance, if you never take an Uber, forget to select your airline to earn the airline credit, or don't book any stays via the Fine Hotels + Resorts or The Hotel Collection, that’s $600 in statement credits and benefits you could miss out on.

But if you spend a lot of time at airports and in hotels, booking those trips with this card can help offset the cost of your travel and enhance your overall experience.

Dawn PapandreaContributor

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Maximize your benefits by using The Platinum Card® from American Express on travel expenses. You can earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

American Express® Gold Card

American Express® Gold Card
Rates and Fees

Terms Apply

Annual Fee
$325
Regular APR
See Pay Over Time APR
Intro Offer
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards
4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$395
Regular APR
19.99% - 29.49% (Variable)
Intro Offer
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
10X Miles per dollar on hotels and rental cars booked through Capital One Travel.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms Apply

Annual Fee
$550
Regular APR
21.74% - 28.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Reserve®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Reserve®

Chase Sapphire Reserve® is another premium card with a high annual fee of $550, though it is lower than that of The Platinum Card® from American Express. Chase Sapphire Reserve® has a welcome offer of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Though its travel benefits and partner perks are similar to The Platinum Card® from American Express, Chase Sapphire Reserve® earns five points per dollar on flights and 10 points per dollar on hotels and car rentals booked through Chase Travel®, in addition to three points per dollar spent on travel and dining.

For rates and fees of The Platinum Card® from American Express, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Alaska Airlines Visa Business Card Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Alaska Airlines Business Credit Card

Terms Apply

The information for the Alaska Airlines Business Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Alaska Airlines Business Credit Card

Businesses can earn Alaska Airlines miles and get airline perks with the Alaska Airlines Business Credit Card.

Credit Needed

Excellent Credit

Annual Fee

$70 annual fee per company and $25 fee per card

Rewards Rate

3X Miles per dollar spent on eligible Alaska Airlines purchases

Pros

  • Earns 3 miles per dollar on Alaska Airlines purchases.

  • Offers airline perks including free checked bags and priority boarding.

  • Earns a companion fare each account anniversary year after you spend $6,000 or more.

Cons

  • There's a $70 annual fee per company and $25 fee per card.

  • Doesn't offer Alaska Airlines Mileage Plan elite status.

  • There's no introductory annual percentage rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Alaska Airlines Business Credit Card is an airline co-branded business travel credit card designed for businesses that frequently fly with Alaska Airlines. The card earns 3 miles per dollar spent on eligible Alaska Airlines purchases and 2 miles per dollar spent at gas or EV charging stations and on shipping and local transit purchases, including ride-hailing. All other purchases earn 1 mile per dollar. Businesses with an eligible Bank of America small business account can earn a 10% rewards bonus on all miles earned.

If you spend $3,000 within the first 90 days of opening an account, you'll earn 50,000 bonus miles and an Alaska Airlines $99 companion fare. Each account anniversary year, you can earn another companion fare after you spend $6,000 or more.

There's a $70 annual fee per company and $25 per card – a total of $95 for the first card and another $25 for each card after that. Though you'll pay an annual fee, this card offers a free checked bag for the cardholder and up to six guests on the same reservation when you pay for your flight with your card. Cardholders also get priority boarding, 20% back on in-flight purchases and $100 off an annual Alaska Lounge+ membership.

  • Issuer NameBank of America
  • Credit NeededExcellent Credit
  • Annual Fee$70 annual fee per company and $25 fee per card
  • Regular APR21.24% to 29.24% Variable APR
  • Penalty APRNone
  • Balance Transfer Fee4% of each transaction
  • Cash Advance Fee4% of the amount of each transaction.

Yes, if you:

  • Frequently fly with Alaska Airlines for business. 
  • Can earn and use the sign-up bonus and annual companion fare.
  • Will use cardholder benefits including free checked bags and priority boarding.

The Alaska Airlines Business Credit Card is most valuable when you use it to fly with Alaska Airlines. Since you earn 3 miles per dollar on Alaska Airlines purchases, it's a good choice when you book a flight with Alaska Airlines. On top of that, you'll get priority boarding, and you and up to six companions on the same reservation will get free first checked bags. In-flight purchases with your Alaska Airlines Business Credit Card are 20% off.

Plan to earn the card's sign-up bonus by spending $3,000 within the first 90 days of opening an account, earning you 50,000 bonus miles and an Alaska Airlines $99 companion fare. If you can spend $6,000 within your cardholder anniversary year, you'll get another companion fare each year.

Editor's Take

Using the Alaska Airlines Business Credit Card makes sense if you frequently travel with Alaska Airlines for business. You can earn 3 miles per dollar on Alaska Airlines purchases and take advantage of free checked bags, priority boarding and in-flight savings.

If you're not a frequent flyer of Alaska Airlines, a more flexible business travel card may be a better fit. For example, Capital One Spark Miles for Business earns 2 Miles per $1 on every purchase, everywhere, and you can redeem rewards with numerous travel brands. (See Rates & Fees)

Jessica MerrittContributor

Spend $3,000 within the first 90 days of opening an account to earn 50,000 bonus miles and an Alaska Airlines $99 companion fare.

You can earn 50,000 bonus miles and an Alaska Airlines $99 companion fare when you spend $3,000 within the first 90 days of opening an account, so it's a good idea to plan your spending to meet that sign-up bonus. Every year, you can earn another companion fare as long as you spend $6,000 within your account anniversary year.

The Alaska Airlines Business Credit Card earns 3 miles per dollar spent on eligible Alaska Airlines purchases and 2 miles per dollar spent at gas or EV charging stations and on shipping and local transit purchases, including ride-hailing. All other purchases earn 1 mile per dollar.

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Southwest® Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card

Terms Apply

Annual Fee
$199
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards
4X points per $1 spent on Southwest® purchases.
Apply Now

On Chase's Website.

Terms Apply

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Rewards
5% Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

You can get good value from the Alaska Airlines Business Credit Card if you frequently fly with Alaska Airlines, but a business travel credit card such as Capital One Spark Miles for Business may offer more flexibility. With this card, you can earn 2 Miles per $1 on every purchase, everywhere and unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. Cardholders can earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening. There's a $0 intro for first year; $95 after that annual fee that applies after the first year. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Holland America Line Rewards Visa Card Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Holland America Line Rewards Visa® Card

Terms Apply

More Info

The information for the Holland America Line Rewards Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Holland America Line Rewards Visa® Card

You can earn points to redeem for statement credits toward your next cruise, but stockpiling them can be a challenge since most card purchases only get one point per dollar.

Annual Fee

$0

Rewards Rate

2X Points per dollar spent on all Holland America purchases

Pros

  • The card has no annual fee and no foreign transaction fees.

  • You’ll get a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of opening the account.

Cons

  • The highest earning rate is two points per dollar for Holland America cruises and onboard purchases.

  • Travel benefits are limited.

  • There is no 0% APR introductory offer for purchases.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

If you're a fan of Holland America cruises, the Holland America Line Rewards Visa® Card can help you earn points to redeem toward your next voyage. Cardholders will receive two points per dollar on Holland America purchases and one point per dollar on all other purchases. You’ll earn 10,000 bonus points after spending $500 within the first three months after opening your account.

This card offers a 0% introductory APR for the first 15 billing cycles on balance transfers made within 45 days of opening the account and then an APR of 20.24%, 26.24%, or 29.99% variable based on your creditworthiness. For no annual fee, the card includes access to a concierge service, zero liability protection from unauthorized charges, and no foreign transaction fees on international purchases.

  • Issuer NameBarclays
  • Annual Fee$0
  • Regular APR20.24%, 26.24%, or 29.99%
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

Yes, if you:

  • Frequently sail on the Holland America Line.
  • Want a travel card with no annual fee.
  • Don't mind the lack of premium perks.

Co- branded cards that are specific to one travel partner usually only benefit those who are super loyal to that brand, in this case, Holland America Line. The best use of this card is when you are booking a Holland America cruise or making onboard purchases since you’ll earn two points per dollar spent. Assuming you are a frequent cruiser, that can help you earn rewards to offset the cost of a future sailing.

Editor's Take

If you’re looking for ways to save on travel, there are likely better card options. Though the co-branded Holland America Line Rewards Visa® Card is designed specifically for lovers of this cruise line, the bonus reward potential is limited to cruise-related spending, and there aren’t any extra incentives for cardholders on board.

Dawn PapandreaContributor

You’ll earn 10,000 bonus points after spending $500 within the first three months after opening your account, good for a $100 onboard credit.

The Holland America Line Rewards Visa® Card earns the most points when used to earn two points per dollar for Holland America cruises and onboard purchases, and all other purchases receive one point per dollar. The 10,000-point sign-up bonus applies after you spend $500 within the first three months after opening your account.

You can earn unlimited points, which will not expire if your account is open and in good standing. Points may not be transferred.

Redeeming points for statement credits toward eligible Holland America Line purchases and onboard amenities offers the best value, according to the card issuer.

Bank of America Royal Caribbean® Visa Signature® Credit Card

Bank of America Royal Caribbean® Visa Signature® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR
Intro Offer
$50 discount on Royal Caribbean’s Air2Sea program after you spend $3,500 within the first 90 days of opening an account
Rewards
2X Points per dollar spent on qualifying purchases with Royal Caribbean and sister brands, Celebrity Cruises and Azamara.
Read More

The information for the Bank of America Royal Caribbean® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms Apply

Annual Fee
$95
Regular APR
20.74% - 27.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
5x On travel purchased through Chase Travel℠
Apply Now

On Chase's Website.

Terms Apply

The information for the Bank of America Royal Caribbean® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD United Explorer Card Review | U.S. News
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11
By Austin Cole
|
Reviewed by Ray Frager
|
Edited by Stephanie Steinberg
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

United℠ Explorer Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

United℠ Explorer Card

This co-branded airline card offers enticing travel perks and ways to earn without the redemption restrictions of other co-branded cards.

Credit Needed

Excellent, Good

Annual Fee

$0 intro annual fee for the first year, then $95

Intro Offer

Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Rewards Rate

2x Miles on United® purchases, dining, and hotel stays

Pros

  • New cardholder welcome offer of 60,000 bonus miles.

  • Free checked bag for you and a companion and other travel perks.

  • You can 2x miles on United® purchases, dining, and hotel stays. 1x mile on all other purchases.

Cons

  • Annual fee after the first year.

  • No introductory annual percentage rate.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The United℠ Explorer Card is a co-branded airline card for frequent flyers of United Airlines. Cardholders get 2x miles on United® purchases, dining, and hotel stays. 1x mile on all other purchases.

Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. There is a $0 intro annual fee for the first year, then $95. Cardholders get priority boarding on United flights, two one-time passes to the United Club lounge each year, 25% back on United in-flight purchases and up to a $120 statement credit for Global Entry or TSA PreCheck fees.

  • Issuer NameChase
  • Credit NeededExcellent, Good
  • Annual Fee$0 intro annual fee for the first year, then $95
  • Regular APR21.24% - 28.24% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0
Apply Now

On Chase's Website.

Yes, if you:

  • Frequently fly with United Airlines.
  • Don't need an introductory APR period.
  • Will spend enough in three months to earn the sign-up bonus.

Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open, so it makes sense to plan opening the United℠ Explorer Card around your next big trip. Use your card to book a flight with United Airlines within the first three months to earn 2 miles per dollar spent and help you reach the $3,000 threshold.

Miles can be redeemed through United's MileagePlus program, where your miles can be used to book a flight with United or its over two dozen partners with Star Alliance member airlines. This gives cardholders flexibility with where they book their next trip and the airline carrier they choose. Miles can also be redeemed for hotel stays, car rentals and gift cards.

Editor's Take

The United℠ Explorer Card’s travel perks, including a free checked bag for you and a companion as well as reimbursement up to $120 for Global Entry, TSA PreCheck or NEXUS application fees, help make this card worth its annual fee. Just note you can only receive the $120 reimbursement once every four years.

Unlike other co-branded airline cards, you won't be restricted to redeeming your miles with just one or a few airlines thanks to United's over two dozen partners you can transfer your miles to and book flights with.

The United℠ Explorer Card also gives cardholders the ability to earn MileagePlus Premier status by earning premier qualifying points.

If the redemption options still feel too limited with this card, consider a general travel card like the Chase Sapphire Preferred® Card, which allows you to redeem points with a variety of airline partners, including the United MileagePlus program.

Austin ColeContributor

Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

With the United℠ Explorer Card, cardholders get 2x miles on United® purchases, dining, and hotel stays. 1x mile on all other purchases. Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Other cardholder perks include up to $120 as a statement credit for Global Entry, TSA PreCheck or NEXUS every four years as reimbursement for application fees and a one-year complimentary DashPass membership from DoorDash and Caviar that provides $0 delivery fees.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers a comparable sign-up bonus to the United℠ Explorer Card. earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening with the Chase Sapphire Preferred® Card's welcome offer.

Chase Sapphire Preferred® Card cardholders receive five points per dollar spent on on travel purchased through Chase Travel℠, two points per dollar spent on all other travel purchases, three points per dollar spent on dining – including eligible delivery services and takeout – three points per dollar spent on online grocery purchases, three points per dollar spent on select streaming services and one point per dollar spent on all other purchases.

If you enjoy the added value of more reward categories and the flexibility Chase Travel℠ offers, the Chase Sapphire Preferred® Credit Card may be a better option for you.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi Double Cash® Card Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Ray Frager
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi Double Cash® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi Double Cash® Card

The Citi Double Cash® Card provides good value, but you'll need to pay off your charges if you want the full cash back.

Credit Needed

Excellent, Good, Fair

Annual Fee

$0

Intro Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards Rate

2% On every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros

  • $0 annual fee.

  • Unlimited 1% when you buy plus 1% as you pay.

  • Introductory APR of 0% for 18 months on Balance Transfers on balance transfers.

Cons

  • No intro APR on purchases.

  • Lacks major cardholder benefits such as travel protections or extended warranty coverage.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citi Double Cash® Card can be a great card for everyday purchases, thanks to its straightforward cash back program and $0 annual fee. You can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The Citi Double Cash® Card has a introductory annual percentage rate of 0% for 18 months on Balance Transfers on balance transfers. After that, the APR becomes 18.49% to 28.49% (variable) based on your creditworthiness. For balance transfers, there is an there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). (See Rates & Fees)

The card earns 2% cash back: 1% when you buy plus 1% as you pay. For a limited time, cardholders can also earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

  • Issuer NameCiti
  • Credit NeededExcellent, Good, Fair
  • Annual Fee$0
  • Regular APR18.49% - 28.49% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Balance Transfer FeeThere is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee3%
Apply Now

On Citi's Website.

Rates & Fees

Yes, if you:

  • Want to avoid paying an annual fee.
  • Need an introductory 0% APR promotion on balance transfers.
  • Don't want to worry about tracking rewards categories.

Using the Citi Double Cash® Card is simple, as you'll earn 2% cash back on all purchases – 1% when you buy plus 1% as you pay. That, along with the high purchase APR with no lower introductory period, means you should make every effort not to carry a balance with this card.

The foreign transaction fee is 3% of the U.S. dollar amount for each purchase you make, so if you're looking to spend abroad, this card may not be the best choice.

Editor's Take

The straightforward rewards structure of the Citi Double Cash® Card is what makes it so appealing. There's no need to enroll in a particular category or track quarterly bonus categories to maximize your rewards.

That said, it would be ideal to pair the Citi Double Cash® Card with a card that earns more than 2% cash back in a category or categories you most frequently spend in.

With the Discover it® Cash Back, for example, cardholders can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Another benefit is Discover will match all the cash back you’ve earned at the end of your first year. Consider pairing your Citi Double Cash® Card with a card like this to maximize the cash back you earn.

Austin ColeContributor

With the Citi Double Cash® Card, cardholders can earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The 2% cash back – 1% when you buy plus 1% as you pay – makes the Citi Double Cash® Card rewards structure great for consumers who don't like having to track earnings categories. With a $0 annual fee, the card lets you keep all the cash back you earn, provided you don't carry a balance and incur interest charges. If you don't make at least the minimum payment on time, you won't earn any rewards on purchases during that billing cycle. (See Rates & Fees)

You also stop earning cash back after your account is closed. If you are a bit lax in paying off your credit cards, this may not be a good rewards structure for you.

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

Best in Cash Back and No Annual Fee Credit Cards

Discover it® Cash Back

Discover it® Cash Back
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
18.49% - 27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
5% Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards
1.5% Cash back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers 3% cash back on dining at restaurants, including takeout and eligible delivery services, and drugstore purchases. It also earns 5% cash back on travel purchased through Chase Travel℠ and 1.5% cash back on all other purchases. The card has a $0 annual fee and a 0% intro APR on balance transfers for 15 months and 0% intro APR on purchases for 15 months, then a 19.74% to 28.49% variable APR applies.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Applied Bank Secured Visa Gold Preferred Credit Card Review | US News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Fri Nov 01
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Fri Nov 01, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Applied Bank Secured Visa® Gold Preferred® Card

Terms Apply

More Info
Apply Now

On Applied Bank's Website.

Terms Apply

Applied Bank Secured Visa® Gold Preferred® Card

Get access to credit with the Applied Bank Secured Visa® Gold Preferred® Card.

Credit Needed

Bad, None

Annual Fee

$48

Intro Offer

9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late

Pros

  • No credit check or minimum credit score required.

  • Reports to all three credit bureaus.

  • 9.99% (fixed) APR.

Cons

  • There’s a $48 annual fee.

  • You won’t get an interest grace period, as interest applies to transactions on the transaction date.

  • The card doesn’t earn rewards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Applied Bank Secured Visa® Gold Preferred® Card can help if you need to build or rebuild your credit. There’s no credit check or minimum credit score required, and the card reports your account to all three credit bureaus. There’s a 9.99% (fixed) annual percentage rate with no penalty APR if you pay your bill late. You must deposit $200 to $1,000 to activate the card, and your initial credit limit will be the amount you deposit minus the $48 annual fee.

  • Issuer NameApplied Bank
  • Credit NeededBad, None
  • Annual Fee$48
  • Regular APR9.99% (Fixed)
Apply Now

On Applied Bank's Website.

Yes, if you:

  • Have bad credit or no credit and need to establish a good credit history.
  • Will pay off purchases right away.
  • Can deposit at least $200.

The Applied Bank Secured Visa® Gold Preferred® Card’s 9.99% (fixed) APR is unique, and it’s nice that this low APR will still apply even if you make late payments. However, there’s a catch: You’ll start owing interest on purchases and cash advances starting on the transaction date. That’s different from most cards that offer an interest grace period, which allows you to avoid paying interest if you pay your balance in full each month.

With the Applied Bank Secured Visa® Gold Preferred® Card, you’ll need to pay back purchases and cash advances right away if you don’t want to get stuck paying interest.

Editor's Take

The Applied Bank Secured Visa® Gold Preferred® Card could help if you need to get access to credit, but it’s not useful as an everyday spending card or good for long-term credit building.

While it offers a pathway to credit access without a credit check, racking up interest charges at the card’s 9.99% (fixed) APR is practically unavoidable as interest applies starting on the transaction date. Also, this card’s $48 annual fee can make it costly to maintain your account long term and keep a lengthy credit history.

If you need access to credit, you’re better off choosing a different secured credit card that has no annual fee and offers an interest grace period on purchases, such as the Capital One Platinum Secured Credit Card. (See Rates & Fees)

Jessica MerrittContributor

There’s no welcome offer with the Applied Bank Secured Visa® Gold Preferred® Card.

You can’t earn rewards with the Applied Bank Secured Visa® Gold Preferred® Card.

Discover it® Secured Credit Card

Discover it® Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
27.49% Variable APR
Intro Offer
Discover will match all the cash back you’ve earned at the end of your first year.
Rewards
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Rewards
1.5% Cash Back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
29.99% (Variable)
Intro Offer
No annual or hidden fees. See if you're approved in seconds
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

A no-annual-fee secured card such as the Capital One Platinum Secured Credit Card that offers a grace period on interest charges is a better choice for your long-term credit health. You’ll put down a refundable security deposit as low as $49 to get a $200 initial credit line and will be automatically considered for a higher credit line in as little as six months with no additional deposit needed. While this card has a much higher APR of 29.99% (variable), you’ll get a grace period, so you won’t have to pay any interest if you pay off your statement balance in full each month. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Norwegian Cruise Line World Mastercard Review | U.S. News
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Adriana Ocañas
|
Updated: Wed Dec 11
By Austin Cole
|
Edited by Jessica Merritt
|
Reviewed by Adriana Ocañas
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America Norwegian Cruise Line® World Mastercard®

Terms Apply

The information for the Bank of America Norwegian Cruise Line® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America Norwegian Cruise Line® World Mastercard®

Norwegian Cruise Line enthusiasts might find the Bank of America Norwegian Cruise Line® World Mastercard® to be worthwhile, but compare the card with other travel credit cards before signing up.

Credit Needed

Good/Excellent

Annual Fee

$0

Intro Offer

Earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise

Rewards Rate

3X Points per dollar spent on Norwegian purchases

Pros

  • $0 annual fee.

  • Earn bonus rewards for Norwegian Cruise Line purchases.

  • The sign-up bonus is worth $200.

Cons

  • Limited bonus rewards categories.

  • No introductory APR period.

  • Points expire after five years.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Bank of America Norwegian Cruise Line® World Mastercard® is a co-branded travel rewards credit card designed for people who frequently travel with Norwegian Cruise Line. Using this card, you can earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, 2 WorldPoints® points per $1 spent on eligible air and hotel purchases and 1 WorldPoints® point per $1 spent on all other purchases. New cardholders of the Bank of America Norwegian Cruise Line® World Mastercard® can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. The card does not charge an annual fee. Cardholder benefits include zero liability for fraudulent transactions and monthly FICO® credit score access for free.

  • Issuer NameBank of America
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR19.24% - 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Balance Transfer Fee4% of the amount of each transaction
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction

Yes, if you:

  • Frequently vacation with Norwegian Cruise Line.
  • Will use your points before they expire.
  • Don't want to pay an annual fee.

A good way to use the Bank of America Norwegian Cruise Line® World Mastercard® is to book travel with Norwegian Cruise Line, as you'll earn three points per dollar on those purchases.

Cardholders can earn even more rewards by becoming Preferred Rewards Members. If you have a three-month combined average daily balance of $20,000 or more, you'll become a Preferred Rewards Member. Depending on your balance with Bank of America and Merrill, you'll earn anywhere from a 25% to 75% rewards bonus.

Editor's Take

Since the Bank of America Norwegian Cruise Line® World Mastercard® has a generous sign-up bonus and offers three points per dollar spent on Norwegian purchases, it's a natural choice if you travel frequently with Norwegian Cruise Line.

It offers good rewards for Norwegian purchases and comes at little risk with a $0 annual fee. However, a lack of bonus earnings in common spending categories means you should pair this card with at least one other to maximize rewards.

You may want to get a flat rate cash back card like the Citi Double Cash® Card, which earns 2% cash back on every purchase – 1% when you buy plus 1% as you pay. You also could consider a more well-rounded travel card like the Chase Freedom Unlimited®. The Chase Freedom Unlimited® offers 3% cash back on drugstore purchases, as well as dining at restaurants – including takeout and eligible delivery services – 5% cash back on travel booked through Chase Travel℠ and 1.5% cash back on all other purchases.

Austin ColeContributor

New cardholders can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening.

Cardholders of the Bank of America Norwegian Cruise Line® World Mastercard® earn 3 WorldPoints® points for every $1 spent on Norwegian purchases, 2 WorldPoints® points per $1 spent on eligible air and hotel purchases and 1 WorldPoints® point per $1 spent on all other purchases, so you will earn rewards at the highest rate when making purchases with Norwegian.

You can earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. If you plan to redeem your rewards as cash back, you can earn up to 75% more cash when you're enrolled in Bank of America Preferred Rewards.

Cardholders can redeem points for stateroom upgrades, travel discounts, onboard credits, last-minute cruises, car rentals, hotel stays, cash, gift cards and more. You'll need at least 2,500 points to redeem, and any points you don't use within five years of the month you earned them will expire.

Bank of America Celebrity Cruises® Visa Signature® Credit Card

Bank of America Celebrity Cruises® Visa Signature® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR
Rewards
2X Points per dollar spent on qualifying purchases with Celebrity Cruises and sister brands, Royal Caribbean and Azamara
Read More

The information for the Bank of America Celebrity Cruises® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America Royal Caribbean® Visa Signature® Credit Card

Bank of America Royal Caribbean® Visa Signature® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR
Intro Offer
$50 discount on Royal Caribbean’s Air2Sea program after you spend $3,500 within the first 90 days of opening an account
Rewards
2X Points per dollar spent on qualifying purchases with Royal Caribbean and sister brands, Celebrity Cruises and Azamara.
Read More

The information for the Bank of America Royal Caribbean® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards
3% Cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Apply Now

On Chase's Website.

Terms Apply

The information for the Bank of America Celebrity Cruises® Visa Signature® Credit Card and the Bank of America Royal Caribbean® Visa Signature® Credit Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Chase Freedom Unlimited®

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Freedom Unlimited®

The Chase Freedom Unlimited® has a $0 annual fee and earns 5% cash back on travel booked through Chase Travel℠, 3% cash back at drugstores and on dining at restaurants – including takeout and eligible delivery services – and 1.5% cash back on all other purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Citi / AAdvantage Executive World Elite Mastercard | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Citi® / AAdvantage® Executive World Elite Mastercard®
Rates and Fees

Terms Apply

More Info
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Citi® / AAdvantage® Executive World Elite Mastercard®

This card can be a good fit for frequent American Airlines travelers who plan to take advantage of the card’s perks and don’t mind paying its $595 annual fee.

Credit Needed

Excellent, Good

Annual Fee

$595

Intro Offer

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

Rewards Rate

1X Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases

Pros

  • You can earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

  • With the card’s included Admirals Club membership, you and up to two guests or immediate family members traveling with you get access to over 50 lounge locations worldwide.

  • Priority check-in, free first checked bags for you and up to eight travel companions on the same domestic reservation.

Cons

  • The Citi® / AAdvantage® Executive World Elite Mastercard® has an annual fee of $595.

  • Miles can only be redeemed with American Airlines and its partners.

Citi is an advertising partner.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Citi® / AAdvantage® Executive World Elite Mastercard® is an airline co-branded credit card designed for frequent American Airlines flyers. Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

Airline perks include an Admirals Club membership with airport lounge access, priority check-in and early boarding. You can earn 10 miles per dollar on eligible car rentals and hotels booked through American Airlines and earn 4 miles per dollar on all American Airlines purchases. All other purchases earn 1 mile per dollar.

  • Issuer NameCiti
  • Credit NeededExcellent, Good
  • Annual Fee$595
  • Regular APR20.49% - 29.49% (Variable)
  • Penalty APRUp to 29.99% (Variable)
  • Balance Transfer Fee5% of each balance transfer; $5 minimum.
  • Cash Advance Fee5% of each cash advance; $10 minimum
  • Foreign Transaction Fee0%
Apply Now

On Citi's Website.

Rates & Fees

Yes, if you:

  • Frequently fly with American Airlines.
  • Value airline benefits including priority boarding, free checked bags and lounge access.
  • Earn enough miles and use perks to offset the $595 annual fee.

Plan to make the most of this card’s benefits to offset the $595 annual fee. When you travel, you can visit Admirals Club airport lounges, take advantage of priority boarding and check-in and get a free first checked bag for you and up to eight travel companions on the same domestic reservation. Once every four years, you can get a $100 credit to pay for your Global Entry or TSA PreCheck application fee.

This card also offers partner benefits you can use to get value out of the card, including a $10 monthly statement credit for Grubhub purchases, a $10 Lyft credit after taking three eligible rides in a calendar month and up to $120 per year in Avis and Budget car rental statement credits.

Editor's Take

If you’re an American Airlines loyalist, the Citi® / AAdvantage® Executive World Elite Mastercard® can be a good fit. With lounge access, priority boarding, free first checked bags and more, this card can enhance your flight experience and save you money. But it’s not worth the annual fee if you won’t fully take advantage of the card’s benefits and plan to earn American Airlines rewards.

If you don’t fly American Airlines enough to justify this card’s annual fee, consider stepping down to the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. It offers preferred boarding and free first checked bags but only has an annual fee of $99, which is waived for the first year. Another option is a general travel rewards card such as the Chase Sapphire Reserve®, which has similar travel benefits – including airport lounge access and a Global Entry or TSA PreCheck credit – but allows for more flexible travel rewards redemptions than the Citi® / AAdvantage® Executive World Elite Mastercard®.

Jessica MerrittContributor

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

If you want to earn this card’s sign-up bonus, worth 70,000 bonus miles, it’s a good idea to plan ahead, as you'll only receive the sign up bonus after spending $7,000 within the first 3 months of account opening.

After the sign-up bonus, booking travel with American Airlines is the best way to maximize rewards with the Citi® / AAdvantage® Executive World Elite Mastercard®. You’ll earn 10 miles per dollar on eligible hotels and rental cars booked with American Airlines, 4 miles per dollar on American Airlines purchases and 1 mile per dollar on all other purchases. Once you spend $150,000 on your card in a calendar year, your American Airlines earning boosts to 5 miles per dollar for the rest of the year.

Rewards earned with this card can be redeemed for travel on American Airlines and its partners, including oneworld airlines such as British Airways and Alaska Airlines.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Terms Apply

Annual Fee
$99, which is waived for the first year
Regular APR
20.49% - 29.49% (Variable)
Intro Offer
For a limited time earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening.
Rewards
2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.
Read More

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms Apply

Annual Fee
$550
Regular APR
21.74% - 28.74% Variable
Intro Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards
10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
Apply Now

On Chase's Website.

Terms Apply

United Club℠ Infinite Card

United Club℠ Infinite Card

Terms Apply

Annual Fee
$525
Regular APR
21.24% - 28.24% Variable
Intro Offer
Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards
4x Miles on United® purchases
Apply Now

On Chase's Website.

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Terms Apply

More Info
Read More

The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

If the Citi® / AAdvantage® Executive World Elite Mastercard® seems like more card than you need, consider stepping down to the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. It earns American Airlines rewards and offers airline benefits but charges an annual fee of $99, which is waived for the first year. Its sign-up bonus of 50,000 miles after making $2,500 in purchases within the first 3 months of account opening is slightly higher than the Citi® / AAdvantage® Executive World Elite Mastercard®’s 70,000-mile bonus but has a much lower spending requirement.

You can still get preferred boarding on American Airlines and a free first checked bag for you and up to four travel companions on the same domestic reservation. And you can earn miles in everyday spending categories, including 2 miles per dollar at restaurants and gas stations, as well as American Airlines purchases, and 1 mile per dollar on all other purchases.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD BPme Rewards Visa® Card 2024 Review | US News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

BPme Rewards Visa® Card

Terms Apply

The information for the BP Visa Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

BPme Rewards Visa® Card

With the BPme Rewards Visa® Card, save on fueling up while earning cash back rewards in everyday spending categories.

Annual Fee

$0

Rewards Rate

10¢ Discount per gallon on fuel purchases at participating BP and Amoco stations

Pros

  • Restaurant and grocery spending both have strong bonus earnings.

  • Redemption options include cash back, gift cards, travel and merchandise.

  • There is no limit on points that can be earned.

Cons

  • There’s no traditional welcome offer, just the extra gas discount.

  • This card has a high APR of 30.99%.

  • Paying for gas with your mobile wallet might prevent you from receiving the discount.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The BPme Rewards Visa® Card, issued by First National Bank of Omaha, is a gas rewards credit card. For the first 60 days after opening an account, BPme Rewards Visa® Cardholders receive a total of 30 cents off per gallon at the pump when fueling at BP and Amoco stations; after that, you’ll receive 15 cents off per gallon. You’ll also earn 3% cash back on dining and groceries, 5% cash back on non-fuel purchases at bp and Amoco, and 1% cash back on all other purchases. The annual fee is $0.

  • Issuer NameSynchrony Bank
  • Annual Fee$0
  • Regular APR30.99%
  • Penalty APRNone
  • Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3% of each transaction

Yes, if you:

  • Want to save on gas and prefer to fuel up at BP and Amoco.
  • Want to earn cash back on dining out and groceries.
  • Do not plan to revolve a balance since the APR is high.

The main benefit of the BPme Rewards Visa® Card is to save at the pump, so if you spend a lot on gas, be sure to use the card at BP and Amoco stations. That said, the 3% cash back on dining and groceries is surprisingly good for a gas card and can help you earn a nice amount of cash back. Just be sure not to carry a balance on this card since the APR is much higher than the average credit card.

Editor's Take

As a co-branded gas credit card, the BPme Rewards Visa® Card is best suited for you if you always fuel up at BP or Amoco. On the plus side, there is also 3% cash back on dining and groceries, two common spending areas, and there’s no annual fee. However, you might consider getting a general cash back rewards card with gas as one of its bonus reward categories, as it will likely offer more value to you, such as additional benefits and a traditional cash welcome offer.

Dawn PapandreaContributor

Though there is no cash welcome offer, for the first 60 days after opening an account, BPme Rewards Visa® Cardholders receive a total of 30 cents off per gallon at the pump when fueling at BP and Amoco stations; after that, you’ll receive 15 cents off per gallon.

The BPme Rewards Visa® Card earns 3% cash back on dining and groceries, 5% cash back on non-fuel purchases at bp and Amoco, and 1% cash back on all other purchases. You can redeem your rewards for cash back, account statement credits, gift cards from major retailers, travel experiences, and more. When fueling up at participating stations, you’ll receive 15 cents off per gallon after the 60-day introductory offer expires.

The information for the Bank of America® Customized Cash Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Blue Cash Everyday® Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Blue Cash Everyday® Card from American Express

While a cash back card might not directly lower your gas prices like the BPme Rewards Visa® Card, a cash back card with bonus rewards at gas stations, such as the Blue Cash Everyday® Card from American Express, is a worthwhile option. On that card, you’ll get 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. The card also offers cardholders the opportunity to earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Finally, you’ll get an introductory APR of 0% on balance transfers and purchases for 15 months; then a 18.49% to 29.49% variable APR applies. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Navy Federal Credit Union nRewards Secured Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Navy Federal nRewards® Secured Credit Card

Terms Apply

The information for the Navy Federal nRewards® Secured Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Navy Federal nRewards® Secured Credit Card

With a low APR and affordable minimum security deposit, the Navy Federal nRewards® Secured Credit Card is a strong option if you want to build or rebuild credit.

Credit Needed

Poor/Limited/No History

Annual Fee

$0

Rewards Rate

1X Point per dollar spent on every purchase

Pros

  • After six months, Navy Federal Credit Union will review your account and may return your deposit if your account is in good standing.

  • The 18% variable APR is lower than many cards, especially among secured credit cards.

  • There is no balance transfer or foreign transaction fee with the Navy Federal nRewards® Secured Credit Card.

Cons

  • Unlike some credit cards, the Navy Federal nRewards® Secured Credit Card does not offer a sign-up bonus or an introductory APR period for new cardholders.

  • The Navy Federal nRewards® Secured Credit Card rewards program only offers one point per dollar in purchases and rewards points will expire four years after accrual.

  • You must be a member of Navy Federal Credit Union to apply for the card.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Navy Federal nRewards® Secured Credit Card is designed to help cardholders establish or rebuild their credit. This secured card has no annual fee and requires a minimum security deposit of $200. With the Navy Federal nRewards® Secured Credit Card rewards program, you earn a flat one point per dollar in purchases. The annual percentage rate of the Navy Federal nRewards® Secured Credit Card is 18% variable.

  • Issuer NameNavy Federal Credit Union
  • Credit NeededPoor/Limited/No History
  • Annual Fee$0
  • Regular APR18% Variable
  • Penalty APR18% Variable
  • Cash Advance FeeNone if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.

Yes, if you:

  • Are or wish to become a member of Navy Federal Credit Union.
  • Need to build or rebuild your credit with a secured card.
  • Want to earn rewards.

A secured card such as the Navy Federal nRewards® Secured Credit Card is a pathway to better credit. While the card earns points, you don’t want to overspend in pursuit of earnings. Instead, keep your balance much lower than your available credit and set up auto payments so you’re never late. Doing these two things can show the credit issuer you are ready for an unsecured credit. It’s best to not carry a balance month to month so you can avoid interest charges.

Editor's Take

The Navy Federal nRewards® Secured Credit Card is designed to help you establish or improve your credit. Make the most of that opportunity by making small purchases and paying the bill in full each month. Ideally, with good payment behavior, you can graduate to an unsecured card and recover your deposit in just six months.

Dawn PapandreaContributor

The Navy Federal nRewards® Secured Credit Card does not have a welcome offer.

Given the flat one point per dollar in purchases rate, you earn rewards by making purchases with the card. While any value that comes your way is a good thing, don’t spend extra to earn rewards. Rather, focus on being a model credit card user to eventually qualify for better, higher-earning cards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cash Back Credit Cards
Discover it® Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Discover's Website.

Rates and Fees

Terms Apply

Discover it® Secured Credit Card

Another secured credit card to consider is the Discover it® Secured Credit Card. You’ll get an automatic account review to upgrade to an unsecured card after seven months, which is slightly longer than the six months on the Navy Federal nRewards® Secured Credit Card. However, there are better earning opportunities. The Discover it® Secured Credit Card automatically allows you to earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. While the Navy Federal nRewards® Secured Credit Card does not offer a sign-up bonus, Discover will match all the cash back you’ve earned at the end of your first year. Both cards do not charge a foreign transaction fee, but the Discover it® Secured Credit Card also waives the fee for your first late payment. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Commerce Bank Voila Hotel Rewards Visa Signature Review | U.S. News
By U.S. News Staff
|
Updated: Wed Dec 11
By U.S. News Staff
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Commerce Bank VOILÀ Hotel Rewards Visa Signature®

Terms Apply

The information for the Commerce Bank VOILÀ Hotel Rewards Visa Signature® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Commerce Bank VOILÀ Hotel Rewards Visa Signature®

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

5X Points per dollar spent at VOILÀ Participating Hotels

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD OpenSky Secured Visa Credit Card Review| U.S. News
By Austin Cole
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Fri Feb 23
By Austin Cole
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Fri Feb 23, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

OpenSky® Secured Visa® Credit Card
Rates and Fees

Terms Apply

Apply Now

On Capital Bank's Website.

Rates and Fees

Terms Apply

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card gives you a chance to build or rebuild credit no credit check necessary to apply but charges a $35 annual fee.

Credit Needed

Fair/Poor/Bad/No Credit

Annual Fee

$35

Intro Offer

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.

Pros

  • There’s no credit check to apply.

  • Most applicants are approved.

  • Your credit limit is equal to your security deposit.

Cons

  • Charges a $35 annual fee.

  • A $200 minimum deposit is required.

  • No cardholder benefits.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The OpenSky® Secured Visa® Credit Card is a secured credit card that doesn't require a credit check. To open the card, you must make a refundable security deposit from $200 to $3,000, and the amount of the deposit sets your starting credit limit. Activity on the card is reported to all three major credit bureaus. The card charges a $35 annual fee and a foreign transaction fee of 3% of each Transaction in U.S. dollars.

  • Issuer NameCapital Bank
  • Credit NeededFair/Poor/Bad/No Credit
  • Annual Fee$35
  • Regular APR21.14% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeSee Terms
  • Cash Advance Fee$6 or 5% of the amount of each Cash Advance; whichever is greater
  • Foreign Transaction Fee3% of each Transaction in U.S. dollars
Apply Now

On Capital Bank's Website.

Rates & Fees

Yes, if you:

  • Want to build credit without a credit check.
  • Can afford at least a $200 deposit.
  • Don't mind paying an annual fee.

If you have fair credit and want to improve your score, the OpenSky® Secured Visa® Credit Card can help you do that. You’ll receive a credit limit based on the size of your $200 to $3,000 security deposit, giving you access to credit and an opportunity to demonstrate good credit usage. Keep your spending on the card below 30% of your credit limit and pay your balance in full and on time each month to see quick changes in your credit score.

Once you’ve used your OpenSky® Secured Visa® Credit Card to build your credit score, you can graduate to an unsecured card, which may offer more cardholder benefits and ways to earn rewards.

Editor's Take

The OpenSky® Secured Visa® Credit Card can be a good choice if you want to build or rebuild credit, but has a relatively high minimum security deposit, charges an annual fee and has no cardholder benefits.

Consider no-annual-fee alternatives to the OpenSky® Secured Visa® Credit Card that can earn rewards, such as the Discover it® Secured Credit Card. The Discover it® Secured Credit Card has a $200 minimum security deposit like the OpenSky® Secured Visa® Credit Card, but has no annual fee and earns rewards.

If you can manage multiple cards at once and still make your monthly payments on time for each card, having multiple secured cards may be a good way to keep your utilization rate low relative to your credit limit.

Austin ColeContributor

The OpenSky® Secured Visa® Credit Card does not currently have a welcome offer.

The OpenSky® Secured Visa® Credit Card doesn’t offer a rewards program. This card is best used for credit building, and then you can graduate to an unsecured card that offers rewards.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card is a good alternative to the OpenSky® Secured Visa® Credit Card. With no annual fee or foreign transaction fees, the Capital One Platinum Secured Credit Card requires a minimum security deposit as little as $49, depending on your creditworthiness. (See Rates & Fees)

If you want to avoid fees and have a lower minimum security deposit, the Capital One Platinum Secured Credit Card is a better option. However, if you think you’ll carry a balance from month to month, the 29.99% (variable) purchase APR is less than ideal. The OpenSky® Secured Visa® Credit Card offers a 21.14% (variable) APR, making it a better choice if you don’t pay your balance in full each month.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Capital One Venture Rewards Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Capital One Venture Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Venture Rewards Credit Card

Cardholders can see value from the Capital One Venture Rewards Credit Card by spending enough to offset the card’s annual fee and using miles for travel.

Credit Needed

Excellent, Good

Annual Fee

$95

Intro Offer

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

Rewards Rate

2X Miles per dollar on every purchase, every day.

Pros

  • It offers a large sign-up bonus and 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

  • Cardholders get an application fee credit for Global Entry or TSA PreCheck.

  • You can transfer miles to partner travel loyalty programs.

Cons

  • There’s no introductory annual percentage rate promotion on purchases or balance transfers.

  • You can’t maximize any bonus rewards categories.

  • The card charges a $95 annual fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Capital One Venture Rewards Credit Card is one of the best travel credit cards on the market, primarily because of its 2 miles per dollar rewards rate, modest annual fee and flexible redemption options. You can redeem your miles for just about any kind of travel you purchase with the card, or you can transfer them to one of Capital One’s travel partners (See Rates & Fees).

  • Issuer NameCapital One
  • Credit NeededExcellent, Good
  • Annual Fee$95
  • Regular APR19.99% - 29.49% (Variable)
  • Penalty APRNone
  • Balance Transfer FeeBalance Transfer Fee applies to balances transferred at a promotional rate
  • Cash Advance Fee5% of the amount of the cash advance, but not less than $5
  • Foreign Transaction FeeNone
Apply Now

On Capital One's Website.

Rates & Fees

Yes, if you:

  • Spend enough to offset the annual fee.
  • Are a moderate traveler who wants flexible rewards for travel.
  • Want a rewards card that's easy to use.

The Capital One Venture Rewards Credit Card is intended to reward everyday spending with a flat rate of 2 Miles per dollar on every purchase, every day. The best strategy is to use the card for any purchases that you're not earning a higher bonus rate on from another card. For example, you can pair it with a card that offers three or more points per dollar or 3% or more cash back in one or more of your top spending categories like groceries or dining, and then use the Capital One Venture Rewards Credit Card for everything else.

Taking advantage of the travel benefits on the card will add value as well. For instance, you can receive up to a $120 credit for Global Entry or TSA PreCheck.

Editor's Take

If you want to earn solid and steady travel rewards without worrying about spending categories or caps on earnings, the Capital One Venture Rewards Credit Card keeps things simple while still offering good value and additional benefits for travelers. Each mile is generally worth 1 cent, but you can squeeze even more value by strategically transferring miles to travel partners.

If you don’t want to pay an annual fee, you could explore the Capital One VentureOne Rewards Credit Card, which offers a flat rate of 1.25 Miles per dollar on every purchase, every day as well as 0% intro on purchases for 15 months, then 19.49% to 29.49% (variable). (See Rates & Fees)

Dawn PapandreaContributor

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.

Earning unlimited rewards on the Capital One is easy – just make any eligible purchase for a flat 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

You can use your miles to get a statement credit for any travel purchase or redeem miles by booking a trip through Capital One Travel. You can also transfer your miles to one of at least 15 travel partners, which may offer the most value. There are other redemption options as well, such as a check, account credit, gift cards and purchases with PayPal or Amazon, but the redemption values vary for these options, and they may not be as valuable as using your rewards for travel.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Chase Sapphire Preferred® Card

Terms Apply

More Info
Apply Now

On Chase's Website.

Terms Apply

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is another travel rewards card with a $95 annual fee, but a different rewards structure. With the Chase Sapphire Preferred Card, you'll earn five points per dollar on travel purchased through Chase Travel℠; three points per dollar on dining, online grocery purchases and select streaming services; and two points per dollar on travel purchases. If your spending style aligns with the Chase Sapphire Preferred® Card's bonus categories, you may be able to earn more rewards than with the Capital One Venture Rewards Credit Card's flat rate.

As for welcome offers, the two cards are comparable. The Chase Sapphire Preferred Card allows you to earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

For rates and fees of the Capital One Venture Rewards Credit Card, (See Rates & Fees).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD First Progress Platinum Prestige Mastercard Secured Credit Card Review | U.S. News
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Ray Frager
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

First Progress Platinum Prestige Mastercard® Secured Credit Card

Terms Apply

The information for the First Progress Platinum Prestige Mastercard® Secured Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

First Progress Platinum Prestige Mastercard® Secured Credit Card

People looking to establish credit may find this card's low annual percentage rate appealing, but there is an annual fee.

Credit Needed

Bad Credit

Annual Fee

$49

Pros

  • The 15.24% variable APR charged by the First Progress Platinum Prestige Mastercard® Secured Credit Card is significantly lower than the rate offered by most other credit cards, especially secured ones.

  • Earn 1% cash back rewards on payments made to your First Progress Platinum Prestige Mastercard® Secured Credit Card account.

  • Reports to all three credit bureaus, which is important for building your credit.

Cons

  • The First Progress Platinum Prestige Mastercard® Secured Credit Card does not offer new cardholders a sign-up bonus or 0% APR introductory rate.

  • New cardholders must make a deposit of $200 to $2,000.

  • There is a $49 annual fee.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

First Progress offers three Platinum Secured credit cards that are designed to help you build or improve your credit. No credit history or minimum credit score is required to apply. Just make a deposit of $200 to $2,000, and the amount of your deposit is your credit limit. Of the three cards, the First Progress Platinum Prestige Mastercard® Secured Credit Card charges the highest annual fee of $49, but it also offers the lowest APR, at 15.24% variable.

  • Issuer NameFirst Progress
  • Credit NeededBad Credit
  • Annual Fee$49
  • Regular APR15.24% variable
  • Penalty APRNone
  • Balance Transfer FeeSee Terms
  • Cash Advance FeeEither $10.00 or 3% of the amount of each Cash Advance, whichever is greater
  • Foreign Transaction Fee3% of the transaction amount

Yes, if you:

  • Have bad credit or no credit history.
  • Don't mind paying an annual fee and a deposit.
  • Want to earn rewards for making payments.

Take advantage of the credit education tools within the app, including access to your VantageScore®+ to track your credit-building progress. This can help you understand how your credit behaviors impact your credit score so you can learn how to improve it.

The best way to ensure that you grow your score and graduate to an unsecured credit card is to pay your bill on time every month and try not to carry a high balance relative to your credit limit. To maximize your credit score, your goal should be to use 30% or less of your available credit, so if your credit limit is $200, try to keep your balance below $60 at all times.

Editor's Take

Secured credit cards are not forever. Rather, they are a pathway toward unsecured credit cards. Because your options are limited, secured credit cards may have unfavorable terms. Compared with other secured credit cards, the First Progress Platinum Prestige Mastercard® Secured Credit Card has some good features. You'll get 1% cash back rewards when you make payments, which encourages you to manage your account responsibly. It also has a low APR, though you should try not to revolve a balance if possible. The downside is the annual fee, which not all secured cards charge.

Dawn PapandreaContributor

The First Progress Platinum Prestige Mastercard® Secured Credit Card does not offer a sign-up bonus.

You'll earn 1% cash back rewards of payments made to your account, which equates to 1% cash back in First Progress Rewards. Cash back is provided in the form of statement credits. Once you've accrued at least 500 points, you can redeem your rewards online or by calling customer service. Points can be redeemed in 500-point increments, applied as a $5 credit to your card account. You must still make regularly scheduled payments.

The information for the U.S. Bank Secured Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Credit Cards With No Foreign Transaction Fee
Capital One Platinum Secured Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Platinum Secured Credit Card

The Capital One Platinum Secured Credit Card is another option for those who want to build their credit. This card doesn't have an annual fee and you have the option to pay your minimum security deposit ($49, $99 or $200) in installments over a 35-day period. Unlike the 1% rewards you'll get with the First Progress Platinum Prestige Mastercard® Secured Credit Card, the Capital One Platinum Secured Credit Card does not offer a rewards program. It also has a much higher APR of 29.99% (variable). (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Marriott Bonvoy Business® American Express® Card
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Mark Evitt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Marriott Bonvoy Business® American Express® Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card provides valuable rewards to business users who frequently stay at Marriott Bonvoy properties and spend in select point-earning categories, but the card comes with an annual fee and a relatively high annual percentage rate.

Credit Needed

Excellent, Good

Annual Fee

$125

Intro Offer

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

Rewards Rate

6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program

Pros

  • New cardholders can earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

  • As a cardholder, you will get a free one-night hotel stay each year after your account anniversary and an additional free night stay after you make $60,000 in purchases within a calendar year.

  • Cardholder benefits include premium internet access at participating hotels, car rental loss and damage insurance, baggage insurance and access to the Global Assist hotline for travel help.

  • There are no foreign transaction fees on this card.

Cons

  • The Marriott Bonvoy Business® American Express® Card has a $125 annual fee.

  • Although some hotel cards have a 0% introductory APR on purchases or balance transfers, the Marriott Bonvoy Business® American Express® Card does not offer a 0% APR rate.

  • The Marriott Bonvoy Business® American Express® Card carries an APR of 20.24% to 29.24% variable, which can be high for less-creditworthy applicants.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Marriott Bonvoy Business® American Express® Card is a business hotel credit card designed for people who frequently stay at Marriott, Ritz-Carlton and other eligible brands in the Marriott Bonvoy loyalty program. You’ll earn 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. New cardholders can earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

Valuable cardholder benefits include free premium internet access at participating hotels, car rental loss and damage insurance, baggage insurance and complimentary Marriott Bonvoy Gold Elite status.

  • Issuer NameAmerican Express
  • Credit NeededExcellent, Good
  • Annual Fee$125
  • Regular APR20.24% - 29.24% Variable
  • Penalty APR29.99% Variable
  • Cash Advance FeeEither $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone
Apply Now

On American Express' Website.

Rates & Fees

Yes, if you:

  • Stay frequently at Marriott Bonvoy hotels or resorts for business.
  • Have a big budget for qualified dining, gas, shipping or wireless telephone services.
  • Can spend $6,000 in eligible purchases on your new card in your first six months after opening it.

The key to using co-branded hotel cards such as the Marriott Bonvoy Business® American Express® Card is to earn as many free nights as possible while enjoying upgrades and privileges by advancing through the loyalty program. That starts with earning the welcome offer. Then you’ll get one Free Night Award every year after your card renewal month. If you spend $60,000 in purchases on your card in a calendar year, you’ll get another free night on top of that.

From there, spending in the card’s top rewards categories will help the points accumulate: Marriott hotel purchases, restaurants, gas, wireless services, and U.S. purchases for shipping. Adding employee cards to the account can also help you earn additional points.

Editor's Take

If you’re a frequent business traveler who happens to love staying at Marriott Bonvoy® properties, this could be a good card to use for your travel bookings and business expenses. The annual fee should be nominal for most businesses, so the real question is, will you travel enough to warrant getting a card that’s dedicated to making your Marriott Bonvoy stays better and less costly? If not, then a general business credit card that earns cash back or has more flexible redemption might be a better fit.

Dawn PapandreaContributor

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

You can earn the highest rate of rewards at six points per dollar when you use the Marriott Bonvoy Business® American Express® Card to stay at Marriott Bonvoy properties or make purchases at Marriott stores. Using the card to make eligible purchases at restaurants worldwide, at U.S. gas stations, and on U.S. shipping and wireless telephone services purchases from U.S. providers is also a good idea because you’ll earn four points per dollar. The card offers 2x points on all other eligible purchases.

Be sure to earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card
Rates and Fees

Terms Apply

Annual Fee
$195
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
Rewards
12X Hilton Honors Bonus Points on eligible Hilton purchases
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Travel Credit Cards
Capital One Spark Miles for Business
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Spark Miles for Business

If you want more redemption flexibility beyond one hotel chain, consider a general business travel card like the Capital One Spark Miles for Business card. You’ll earn 2 Miles per $1 on every purchase, everywhere, making for a simple rewards structure. New cardholders of the Capital One Spark Miles for Business can earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within the first 3 months from account opening. There is a $0 intro for first year; $95 after that. Miles can be redeemed on flights, hotels, or vacation packages, or you can transfer miles to more than 15 travel partners. Other benefits include up to $120 credit for Global Entry or TSA PreCheck® and no foreign transaction fees. (See Rates & Fees)

For rates and fees of the Marriott Bonvoy Business® American Express® Card, (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Barclays Hawaiian Airlines Business Mastercard Review | U.S. News
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Jessica Merritt
|
Edited by Stephanie Steinberg
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Hawaiian Airlines® Business Mastercard®

Terms Apply

The information for the Hawaiian Airlines® Business Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Hawaiian Airlines® Business Mastercard®

Businesses can earn HawaiianMiles and a companion fare discount with this card.

Annual Fee

$99

Intro Offer

20,000 bonus miles after you spend at least $50,000 in a year and another 20,000 miles after you spend $100,000

Rewards Rate

3X Miles per dollar spent on eligible Hawaiian Airlines purchases

Pros

  • Businesses can earn 3 miles per dollar on Hawaiian Airlines purchases.

  • You can earn up to 50,000 bonus HawaiianMiles when you spend $4,000 within the first 90 days.

  • There’s an annual bonus of 20,000 bonus miles after you spend at least $50,000 in a year and another 20,000 miles after you spend $100,000.

Cons

  • After you use the 50% off companion discount, there aren’t any other airline-specific benefits.

  • There’s a $99 annual fee.

  • The annual bonus spending requirement is steep.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Businesses with the Hawaiian Airlines® Business Mastercard® earn 3 miles per dollar on Hawaiian Airlines purchases, 2 miles per dollar on gas, dining and office supply store purchases, and 1 mile per dollar on all other purchases. There’s a $99 annual fee.

New cardholders can earn up to 50,000 bonus HawaiianMiles after spending $4,000 within the first 90 days. You can also take advantage of a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America. Each year, you can earn up to 40,000 bonus miles with spending tiers: 20,000 bonus miles after you spend at least $50,000 in a year and another 20,000 miles after you spend $100,000.

  • Issuer NameBarclays
  • Annual Fee$99
  • Regular APR20.74% variable or 29.74% variable
  • Penalty APRNone
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee0% of each transaction in U.S. dollars

Yes, if you:

  • Can get enough value from the card to offset the $99 annual fee
  • Will meet the sign-up bonus spending requirement
  • Can use the 50% off companion discount

You can make the most of the Hawaiian Airlines® Business Mastercard® by using it when you fly with Hawaiian Airlines, as this card earns the most rewards with Hawaiian Airlines. You should plan to earn the 50,000-point sign-up bonus by spending at least $4,000 within the first 90 days. You can also earn 20,000 bonus miles after you spend at least $50,000 in a year and another 20,000 miles after you spend $100,000. Plus, you'll get value from the 50% off companion discount for round-trip coach travel between Hawaii and North America.

Editor's Take

If you have upcoming Hawaiian travel, the Hawaiian Airlines® Business Mastercard® can help you save, earning rewards on your purchases with Hawaiian Airlines and offering a 50% off companion discount on qualifying airfare. The 50,000-point sign-up bonus requires just $4,000 within the first 90 days. However, the annual bonus is less attainable, you'll earn 20,000 bonus miles after you spend at least $50,000 in a year and another 20,000 miles after you spend $100,000.

Jessica MerrittContributor

Businesses can earn 50,000 bonus HawaiianMiles after spending $4,000 within the first 90 days.

You can maximize rewards with the Hawaiian Airlines® Business Mastercard® by using it to earn 3 miles per dollar on Hawaiian Airlines purchases, 2 miles per dollar on gas, dining and office supply store purchases, and 1 mile per dollar on all other purchases. You can also earn extra miles by shopping with select HawaiianMiles Marketplace retailers.

With the sign-up bonus, you can earn 50,000 bonus HawaiianMiles after you spend $4,000 within the first 90 days. There’s also an opportunity to earn an annual bonus, with a 20,000 bonus miles after you spend at least $50,000 in a year and another 20,000 miles after you spend $100,000. Miles do not expire as long as the credit card remains open.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Terms Apply

Annual Fee
$95
Regular APR
20.49% - 26.49% Variable
Intro Offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Rewards
3X Points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card
Rates and Fees

Terms Apply

Annual Fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.24% - 29.24% Variable
Intro Offer
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Rewards
2X Miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Business Credit Cards
Delta SkyMiles® Gold Business American Express Card
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

Delta SkyMiles® Gold Business American Express Card

If you’re not a frequent traveler to Hawaii, the Delta SkyMiles® Gold Business American Express Card may offer more broad appeal. Cardholders earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases. Cardholders get 15% off on award travel with Delta, first checked bags free on Delta flights and Main Cabin 1 priority boarding. You’ll also get a 20% savings on Delta in-flight purchases. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Bank of America Celebrity Cruises Visa Signature Card | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Bank of America Celebrity Cruises® Visa Signature® Credit Card

Terms Apply

The information for the Bank of America Celebrity Cruises® Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Bank of America Celebrity Cruises® Visa Signature® Credit Card

The Bank of America Celebrity Cruises® Visa Signature® Credit Card could be a fit for avid cruisers, but a more flexible travel card might have more benefits and higher-earning potential.

Credit Needed

Good/Excellent

Annual Fee

$0

Rewards Rate

2X Points per dollar spent on qualifying purchases with Celebrity Cruises and sister brands, Royal Caribbean and Azamara

Pros

  • The welcome offer only requires making your first purchase within the first 90 days after opening the account.

  • There is no foreign transaction fee on this card, making it a good one to use for international cruise itineraries.

Cons

  • Only cruise-related spending offers a bonus rewards rate.

  • Cardholders who make a late payment may have to pay a penalty annual percentage rate which is up to 29.99%.

  • Redemption options are limited to cruise uses such as onboard credits, stateroom upgrades and discounts.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

With the Bank of America Celebrity Cruises® Visa Signature® Credit Card rewards program, you receive two points for every dollar spent with Celebrity Cruises and Royal Caribbean Cruises, as well as one point per dollar spent on all other purchases using the card. There’s a $0 annual fee and you’ll get a welcome offer of 10,000 in MyCruise® points (valued at $250 as an onboard credit).

  • Issuer NameBank of America
  • Credit NeededGood/Excellent
  • Annual Fee$0
  • Regular APR19.24% - 29.24% Variable APR
  • Penalty APRUp to 29.99%, based on your creditworthiness
  • Balance Transfer Fee4% of each transaction
  • Cash Advance FeeDirect Deposit and Check Cash Advances: 4% of the amount of each transaction ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: 5% of the amount of each transaction

Yes, if you:

  • Are a frequent cruiser who favors Celebrity and Royal Caribbean.
  • Enjoy upgrading your cruise experience using rewards.
  • Don’t plan on missing payments.

Ideally, you’ll open this card when you’re ready to book a cruise with Celebrity or Royal Caribbean. That way, you can earn the welcome offer (worth $250 in onboard credit) and score the bonus earnings on your booking. Because there are no other bonus rewards offered, you may want to use another card that has a higher base rate for other purchase types.

Editor's Take

Avid cruisers loyal to Celebrity and Royal Caribbean lines can use this card to earn MyCruise® points that they can put toward making their vacation even better. We like that it has no foreign transaction fee, so it’s good to take with you when you’re hopping islands or countries. However, if you’re not going on at least one or two sailings per year, you might be better served by a general rewards card that offers flexible redemption options and multiple bonus categories.

Dawn PapandreaContributor

New cardholders earn 10,000 MyCruise® bonus points, worth $250 in onboard credit, after your first purchase within the first 90 days after opening the account.

You will earn two MyCruise® points per dollar spent with Celebrity Cruises or Royal Caribbean using the Bank of America Celebrity Cruises® Visa Signature® Credit Card. All other purchases earn one point per dollar.

It’s a good idea to use this card to pay for cruises with participating cruise lines, and in any spending categories that you’re not already getting higher bonus rates from other cards. Then, once you’re at sea, you can redeem your points to level up your vacation with room upgrades, onboard credits, dining in specialty restaurants, shore excursions, spa treatments and more.

Bank of America Norwegian Cruise Line® World Mastercard®

Bank of America Norwegian Cruise Line® World Mastercard®

Terms Apply

Annual Fee
$0
Regular APR
19.24% - 29.24% Variable APR
Intro Offer
Earn 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening – which can be redeemed for a $200 off your next Norwegian cruise
Rewards
3X Points per dollar spent on Norwegian purchases
Read More

The information for the Bank of America Norwegian Cruise Line® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Carnival® World Mastercard®

Carnival® World Mastercard®

Terms Apply

Annual Fee
$0
Regular APR
20.24%, 26.24%, or 29.99%
Rewards
2X Points per dollar spent on any purchases with Carnival Cruise Line and with the brands of the World’s Leading Cruise Lines
Read More

The information for the Carnival® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
20,000 Miles once you spend $500 on purchases within 3 months from account opening
Rewards
5X Miles per dollar on hotels and rental cars booked through Capital One Travel.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

The information for the Bank of America Norwegian Cruise Line® World Mastercard® and the Carnival® World Mastercard® have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Balance Transfer Credit Cards
Carnival® World Mastercard®

Terms Apply

More Info
Read More

The information for the Carnival® World Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Carnival® World Mastercard®

If you’re open to trying other cruise lines, the Carnival® World Mastercard® might be worth a look. You’ll get a very similar rewards structure as you do on the Bank of America Celebrity Cruises® Visa Signature® Credit Card, with 2 FunPoints for every dollar spent on Carnival cruises and 1 point for other purchases.

However, Carnival® World Mastercard® offers a 0% promotional APR for six months on Carnival cruise bookings, giving you some extra time to pay off your trip interest-free. The Bank of America Celebrity Cruises® Visa Signature® Credit Card has a more valuable welcome offer, though, since Carnival’s 20,000 FunPoints offer is valued at $200.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD M&T Bank Visa Credit Card with Rewards Review | U.S. News
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Mark Evitt
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

M&T Visa® Credit Card with Rewards

Terms Apply

The information for the M&T Visa® Credit Card with Rewards has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

M&T Visa® Credit Card with Rewards

The M&T Visa® Credit Card with Rewards is hardly an earnings powerhouse, but it's 0% introductory APR offer, followed by its lower-than-average regular purchase APR, makes it worth a look.

Annual Fee

$0

Rewards Rate

1X Point per dollar spent on every purchase

Pros

  • Relatively low APR range compared to many other credit cards.

  • Cardholders get a 0% introductory APR on purchases and balance transfers for the first 12 months.

  • There is no annual fee.

Cons

  • The balance transfer fee of 4% (minimum $10) is higher than other cards that charge 3% or $5 minimum.

  • This card has a 3% foreign transaction fee.

  • Low rewards earning rate compared to other cards.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The M&T Visa® Credit Card with Rewards is a rewards credit card that earns an unlimited 1% cash back on all purchases. You can earn a 10,000-point sign-up bonus (worth $100 in cash back) if you spend $500 in purchases in the first 90 days after opening an account. There is no annual fee, and the card offers a 0% introductory APR on purchases and balance transfers for the first 12 months. Cardholders receive benefits including zero liability fraud prevention, detection and resolution.

  • Issuer NameM&T Bank
  • Annual Fee$0
  • Regular APR19.49%-23.49% Variable APR
  • Penalty APR24.99% Variable
  • Purchases Intro APR0% introductory APR on purchases and balance transfers for the first 12 months
  • Balance Transfer Fee4% (minimum $10)
  • Cash Advance Fee3% of each transaction (minimum $10)
  • Foreign Transaction Fee3%

Yes, if you:

  • Want a 0% introductory APR and a reasonable regular APR afterward.
  • Don’t want to pay an annual fee but still earn rewards.
  • Aren’t looking for bonus rewards categories or other perks.

The M&T Visa® Credit Card with Rewards is a fairly straightforward card to use with its flat-rate 1% cash back on all purchases. If you have a large purchase you need to make, take advantage of the 12 months of 0% APR to avoid paying interest. Just divide the total by 12 months and make equal monthly payments. On the other hand, if you have a balance you’d like to transfer, you might be better off with a card that gives you more than 12 months and charges a lower fee than the 4% (minimum $10) incurred on the M&T Visa® Credit Card with Rewards.

Editor's Take

The M&T Visa® Credit Card with Rewards is not competitive when it comes to rewards potential with its low 1% rate, and its 0% introductory APR on purchases and balance transfers for the first 12 months is shorter than some other cards. However, because its regular APR range is lower than some other cards on the market, it could be a decent choice if you may revolve a balance from time to time.

Dawn PapandreaContributor

When you spend $500 in purchases in the first 90 days after opening an account, you’ll earn a 10,000-point sign-up bonus.

The M&T Visa® Credit Card with Rewards earns 1% cash back on all purchases with no limit on the amount of rewards you can earn. If earning rewards is important to you, keep in mind that there are other cards that earn higher rates for certain spending categories, as well as flat-rate cards that earn 1.5% or more.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Macy's American Express Card Review | U.S. News
By Stephanie Steinberg
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Stephanie Steinberg
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Macy's American Express® Card

Terms Apply

More Info

The information for the Macy's American Express® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Macy's American Express® Card

If you shop at Macy's, the Macy's American Express® Card earns rewards at a solid rate, but make sure you keep track of rewards expiration dates and avoid carrying a balance.

Annual Fee

$0

Rewards Rate

3% Cash back at restaurants

Pros

  • New Macy's American Express® Card holders can receive a 20% discount on Macy's card purchases the day of approval and the day after for up to $100 in savings.

  • You can earn rewards on non-Macy’s purchases with 3% back at restaurants, 2% at U.S. gas stations and U.S. supermarkets and 1% on all other purchases.

  • Macy's American Express® Card charges a $0 annual fee.

Cons

  • Reward vouchers expire after 30 days, can only be used at Macy's, and can't be used on some Macy's purchases.

  • Macy's American Express® Card's standard annual percentage rate on purchases and balance transfers is 27.49% variable, higher than the average for store cards in the U.S. News database.

  • Macy's American Express® Card carries a minimum interest charge of $2, even if the calculated interest is less than that.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

Frequent Macy's shoppers earn rewards for Macy's and everyday purchases with the Macy's American Express® Card. Cardholders earn between two to five points per dollar on Macy's purchases, depending on their status in the Macy's Star Rewards program. Also, a 20% discount on Macy's card purchases is available the day you're approved for an account and the day after for up to $100 in savings, so long as your application receives immediate approval.

  • Issuer NameAmerican Express
  • Annual Fee$0
  • Regular APR27.49% Variable
  • Penalty APRNone
  • Cash Advance FeeEither $5 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee3% of each purchase transaction in U.S. dollars

Yes, if you:

  • Spend at least $500 annually at Macy’s.
  • Won't carry a balance.
  • Don't want to pay an annual fee.

The best features of the Macy's American Express® Card are the 20% approval discount and elevated points earned on Macy’s purchases. Upon card approval, you can save up to $100 with 20% off your purchases on the day you’re approved and the day after.

If you spend $499 or less at Macy’s annually, you’ll earn two points per dollar on Macy’s purchases. Points earning jumps to three points per dollar when you spend $500 to $1,199 annually and five points per dollar with $1,200 or more in annual spending.

This card works best if you plan to spend at least $500 annually at Macy’s, ideally in the first two days of card membership. With 20% off your initial two days of purchases, you can get up to $100 off – and $100 is nearly 20% off a spend of $500. Also, at that $500 level, you’ll earn three points per dollar spent at Macy’s, which is better than what you can earn from most other credit cards on the market for retail spending.

Editor's Take

The Macy's American Express® Card has perks for Macy’s shoppers, but you might find more value in a general rewards card with more versatility, such as the Capital One Quicksilver Cash Rewards Credit Card. While the Macy's American Express® Card earns Macy’s rewards with no annual fee, redemption is fairly restrictive because you only have 30 days to use reward certificates, and you can only redeem rewards on qualifying Macy’s purchases.

Stephanie SteinbergStaff Writer

New Macy's American Express® Cardholders can get a discount on Macy's card purchases made on the day of approval and the day after for up to $100 in savings.

You’ll earn the most rewards with the Macy's American Express® Card if you have Macy’s Star Rewards platinum status. You can earn this status by spending at least $1,200 annually at Macy’s with your card. You’ll then get five points per dollar on all Macy’s purchases you make with the card.

If you spend at least $500 at Macy's on your card in a calendar year, you'll unlock gold status in the Macy's Star Rewards program and earn three points per dollar on all Macy's purchases made with the card. Otherwise, you'll get two points per dollar at Macy's with silver status when spending under $499 a year. The Macy's Star Rewards program also comes with perks such as free shipping for gold and platinum members.

All cardholders earn 3% back on dining purchases. U.S. gas station and supermarket purchases earn 2% back, and all other purchases earn 1% back. If you intend to make a large purchase at Macy's, plan to do it the day you receive card approval or the day after because you can save 20% off your purchase up to $100. Note you can only redeem rewards in $10 increments for eligible Macy's spending, and vouchers expire 30 days after they are issued.

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.74% - 27.74% (Variable)
Intro Offer
Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
Rewards
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
Apply Now

On Citi's Website.

Rates and Fees

Terms Apply

Amazon Visa Credit Card

Amazon Visa Credit Card

Terms Apply

Annual Fee
$0
Regular APR
18.99% - 26.99% Variable APR
Rewards
3% Cash back at Amazon.com and Whole Foods Market
Read More

The information for the Amazon Visa Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

Annual Fee
$0
Regular APR
19.49% - 29.49% (Variable)
Intro Offer
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards
1.5% Cash back on every purchase, every day
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Cards for Excellent Credit
Capital One Quicksilver Cash Rewards Credit Card
Rates and Fees

Terms Apply

More Info
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

Capital One Quicksilver Cash Rewards Credit Card

Earn more flexible rewards with a cash back card such as the Capital One Quicksilver Cash Rewards Credit Card. If you used the Capital One Quicksilver Cash Rewards Credit Card for $500 in Macy’s purchases within the first three months of opening your account, you’d earn the card’s $200 cash back sign-up bonus reward. That’s double the $100 maximum discount you can get from signing up for the Macy's American Express® Card. (See Rates & Fees)

Redemption is much more flexible with the Capital One Quicksilver Cash Rewards Credit Card. You can redeem Quicksilver rewards for cash back any time instead of being restricted to a 30-day redemption window with the Macy's American Express® Card.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD Business Advantage Travel Rewards World Mastercard® 2024 Review | U.S. News
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Edited by Jessica Merritt
|
Reviewed by Emily Hayes
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Business Advantage Travel Rewards World Mastercard®

Terms Apply

The information for the Bank of America® Business Advantage Travel Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

Business Advantage Travel Rewards World Mastercard®

The Business Advantage Travel Rewards World Mastercard® has decent flat-rate rewards and no annual fee, and bank customers can boost the reward rate higher.

Credit Needed

Excellent Credit

Annual Fee

$0

Intro Offer

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of opening your account, which can be redeemed for a $300 statement credit towards travel or dining purchases

Rewards Rate

1.5X Points per dollar spent on all other eligible purchases

Pros

  • $0 annual fee and no foreign transaction fee on this card.

  • New cardholders get an introductory 0% APR on purchases for nine billing cycles.

  • Points can be worth between 25% and 75% more depending on your tier if you are a Bank of America Preferred Rewards for Business member.

Cons

  • The card doesn’t offer any bonus categories, unlike some business credit cards.

  • Although cardholders get an introductory 0% APR on purchases for nine billing cycles, there is no introductory rate for balance transfers.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

See our full methodology
See our full methodology

The Business Advantage Travel Rewards World Mastercard® credit card is a business travel rewards card. It earns unlimited 1.5 points per dollar spent on all purchases and points never expire. There is a 30,000-point sign-up bonus for spending $3,000 within 90 days of opening your account. The card has no annual fee and offers an introductory 0% APR on purchases for nine billing cycles. Cardholders get travel accident insurance, lost luggage reimbursement, trip cancellation coverage, trip delay reimbursement and other benefits.

  • Issuer NameBank of America
  • Credit NeededExcellent Credit
  • Annual Fee$0
  • Regular APR17.74% - 27.74% Variable APR
  • Penalty APRNone
  • Purchases Intro APRintroductory 0% APR on purchases for nine billing cycles
  • Balance Transfer Fee4% of each transaction
  • Cash Advance Fee4% of the amount of each transaction.

Yes, if you:

  • Want a business credit card with no annual fee and a simple rewards structure.
  • Plan to take advantage of the introductory 0% APR on purchases for nine billing cycles.
  • Are a Bank of America Preferred Rewards for Business member.

Because of the card’s solid base rate of 1.5 points per dollar spent on all purchases — higher if you’re a Bank of America Preferred Rewards for Business member — the Business Advantage Travel Rewards World Mastercard® can be good on its own or to supplement another business credit card. For example, you might pair it with a card that earns bonus rewards in categories in which you spend significantly and then use the Business Advantage Travel Rewards World Mastercard® for everything else.

Editor's Take

The Business Advantage Travel Rewards World Mastercard® is an easy card for new or small-business owners to manage since rewards are straightforward. It’s especially worth getting if you do your business banking with Bank of America, which can increase your rewards rate to higher than 1.5 points per dollar spent on all purchases.

Dawn PapandreaContributor

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of opening your account, which can be redeemed for a $300 statement credit towards travel or dining purchases.

The Business Advantage Travel Rewards World Mastercard® credit card earns 1.5 points per dollar spent on all purchases. Though there are no bonus categories, you can increase your rewards as a Bank of America Preferred Rewards for Business member and earn as much as 2.62 points per dollar spent.

Being a member is free but requires a three-month combined average daily balance of $20,000 or more in qualifying Bank of America business deposit accounts and/or Merrill® business investment accounts.

With the card’s sign-up bonus, you can earn 30,000 bonus points after spending $3,000 within 90 days of opening your account.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Terms Apply

Annual Fee
$0
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Rewards
5% Cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Apply Now

On Chase's Website.

Terms Apply

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Rates and Fees

Terms Apply

Annual Fee
$0 intro for first year; $95 after that
Regular APR
25.74% (Variable)
Intro Offer
Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Rewards
2X Miles per $1 on every purchase, everywhere.
Apply Now

On Capital One's Website.

Rates and Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express
Rates and Fees

Terms Apply

Annual Fee
No annual fee
Regular APR
17.74% - 25.74% Variable
Intro Offer
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards
2X points on everyday business purchases such as office supplies or client dinners
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

Best in Rewards Credit Cards
The Blue Business® Plus Credit Card from American Express
Rates and Fees

Terms Apply

More Info
Apply Now

On American Express' Website.

Rates and Fees

Terms Apply

The Blue Business® Plus Credit Card from American Express

Another business card with a simple structure is The Blue Business® Plus Credit Card from American Express, which lets cardholders earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

The Business Advantage Travel Rewards World Mastercard® has a more generous welcome offer than The Blue Business® Plus Credit Card from American Express, which offers cardholders the ability to earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. However, The Blue Business® Plus Credit Card from American Express has a longer introductory APR period, offering 0% on purchases for 12 months from date of account opening. After that, a 17.74% to 25.74% variable APR applies. Both cards do not have an annual fee. The Business Advantage Travel Rewards World Mastercard® has no foreign transaction fee, while The Blue Business® Plus Credit Card from American Express charges 2.7% of each transaction after conversion to US dollars. (See Rates & Fees)

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

END CARD BEGIN CARD PNC Points Visa Business Credit Card Review | US News
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11
By Dawn Papandrea
|
Reviewed by Emily Hayes
|
Edited by Jessica Merritt
|
Updated: Wed Dec 11, 2024

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

PNC points® Visa® Business Credit Card

Terms Apply

The information for the PNC points® Visa® Business Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Terms Apply

PNC points® Visa® Business Credit Card

This business credit card has a rewards program and no annual fee, but also no welcome offer and atypical points value.

Annual Fee

$0

Rewards Rate

5X Points for every dollar spent

Pros

  • Offers 0% introductory APR for nine billing cycles on purchases and any balance transfers made within 90 days of opening an account.

  • You can combine your personal and business points to earn more rewards faster.

  • If you can qualify, the starting APR for the PNC points® Visa® Business Credit Card is 18.24%, among the lower starting interest rates available on a business credit card.

Cons

  • Unlike most rewards cards, the PNC points® Visa® Business Credit Card does not offer a sign-up bonus.

  • The card has a foreign transaction fee of 3% in U.S. dollars.

  • If you redeem points for cash, five points equal one cent, which is a low redemption value.

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The PNC points® Visa® Business Credit Card is a rewards card offering five points per dollar on purchases in all spending categories. There are no limits to the amount of points you can earn, and you can combine your personal and business points. You can choose to allow your employees to accumulate points individually or at the company level. There is no annual fee. The card offers a 0% introductory APR for nine billing cycles on purchases and any balance transfers made within 90 days of opening an account.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR15.99% to 24.99%
  • Penalty APR28.99% Variable
  • Balance Transfer Fee$5 or 3% of the amount of each balance transfer, whichever is greater
  • Cash Advance FeeEither $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)
  • Foreign Transaction Fee3%

Yes, if you:

  • Want a no-annual-fee business credit card.
  • Can use an introductory 0% APR period on purchases and balance transfers.
  • Don’t plan to use the card abroad.

The card has no annual fee and a rewards program, both of which can benefit business owners. The 0% introductory APR on purchases and balance transfers is also helpful. If you have a large business purchase to make or a lingering balance to pay off from another card, you’ll get nine months of introductory 0% APR. This can give new or growing businesses extra time to manage their cash flow without paying interest.

Editor's Take

The PNC points® Visa® Business Credit Card’s five points per dollar on purchases in all spending categories rate may sound amazing, but it’s not particularly valuable since five points equals one cent. Point values vary depending on how you redeem, so explore your options to get the most out of your points.

Dawn PapandreaContributor

The PNC points® Visa® Business Credit Card does not have a welcome offer.

As the PNC points® Visa® Business Credit Card offers five points per dollar on purchases in all spending categories, you will earn rewards on every purchase. Compare redemption values to make sure you’re getting the most from your rewards when it’s time to cash in.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is another business credit card with no annual fee. Cardholders earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. The card also has a generous welcome offer of $350 and $400 cash back when you spend $6,000 on purchases in the first six months after account opening, which the PNC points® Visa® Business Credit Card does not have. Ink Business Cash® Credit Cardholders also get a longer 0% intro APR on purchases for 12 months, after that, a 17.74% to 25.74% variable APR applies, but unlike the PNC points® Visa® Business Credit Card’s intro APR offer, it doesn’t apply to balance transfers.

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